2.96% FHA
$299,000
$1,260/mo
20456 Misty Ln
Tuolumne, CA
3 bd2 ba1,344 sqft
Mi Wuk Village, California
Keep the rate.
Buy the home in Mi Wuk Village.
1 assumable home for sale in Mi Wuk Village, with locked rates from 3.47%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
3.47%
vs 7.2% market
$593/mo saved
Median locked rate
3.47%
Across 1 assumable listing
Typical monthly savings
$593
On a $260,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA
Government-backed loans are assumable by law
Verified in Mi Wuk Village
Homes with a rate worth keeping
3.47% FHA
$260,000
$1,048/mo
20772 Haiapo Rd
Mi Wuk Village, CA
2 bd2 ba1,448 sqft
2.88% VA
$539,000
$1,452/mo
22749 Confidence Rd
Twain Harte, CA
3 bd3 ba1,930 sqft
2.90% FHA
$399,999
$1,037/mo
17202 Suez Canal Dr
Sonora, CA
3 bd2 ba1,915 sqft
4.07% FHA
$375,000
$1,413/mo
16961 Columbia River Dr
Sonora, CA
3 bd2 ba1,581 sqft
6.85% VA
$399,950
$2,875/mo
20145 Chapel Dr
Tuolumne, CA
3 bd3 ba2,400 sqft
Inventory snapshot
What’s assumable in Mi Wuk Village right now
Live counts from the MLS feeds we index for California. Updated July 2026.
- Active listings
- 1
- Certified / verified
- 0
- Lowest rate
- 3.47%
- Median rate
- 3.47%
- Median list price
- $260,000
- Median cash to assume
- $55,885
Listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Listings by loan type
- FHA1 homemedian 3.47%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Mi Wuk Village ZIP code
Nearby markets
More assumable homes in California
- San Diego257
- Los Angeles124
- Chula Vista105
- Victorville96
- Lancaster86
- Palmdale81
- Hemet80
- Murrieta72
- Menifee69
- Temecula65
- Oceanside59
- El Cajon58
- Apple Valley57
- San Bernardino57
- Riverside52
- Lake Elsinore44
- Winchester43
- Corona42
- Hesperia41
- Indio40
- Beaumont37
- Moreno Valley37
- Bakersfield34
- Escondido34
Run your numbers
The cost of waiting in Mi Wuk Village.
A 7.2% new loan against an assumable one at 3.47%, same balance, 30 years.
You keep every month
$481/mo
Over a year$5,776
Monthly payment, side by side
7.2% vs 3.47%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Mi Wuk Village
Numbers below come from current Mi Wuk Village inventory and update as listings change.
- How many assumable homes are for sale in Mi Wuk Village?
- As of July 2026, UMe tracks 1 active assumable listing in Mi Wuk Village. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Mi Wuk Village?
- Current Mi Wuk Village inventory breaks down as FHA (1, median 3.47%). FHA, VA, and USDA mortgages are assumable by law, which is why they make up nearly all assumable listings. Conventional loans usually carry a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan, though the seller's entitlement stays tied up unless you substitute your own.
- What is the lowest assumable mortgage rate in Mi Wuk Village right now?
- The lowest rate on an active Mi Wuk Village assumable listing is 3.47%, and the median across all 1 listing is 3.47%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
- How much can I save with a mortgage assumption in Mi Wuk Village?
- Across current Mi Wuk Village listings, the median principal-and-interest payment on the assumable loan is $1,048 per month versus $1,641 for the same balance at today's rates, a difference of about $593 every month, or $7,116 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
- How much money do I need to assume a home in Mi Wuk Village?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Mi Wuk Village that gap is currently a median of $55,885 on a median list price of $260,000. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
- Which Mi Wuk Village ZIP codes have the most assumable homes?
- The Mi Wuk Village ZIP codes with the most active assumable listings are 95346 (1). Use the map to draw your own boundary or filter by rate, payment, and down payment inside any of them.
- How long does a mortgage assumption take in Mi Wuk Village?
- Most FHA and VA assumptions close in 45 to 90 days. The loan servicer, not a new lender, underwrites you, and servicer turnaround is the main variable. UMe tracks the file with the servicer and the listing agent so nothing stalls, and every listing shows whether the assumption has already been confirmed with the seller's side.
Ready when you are
Stop overpaying for Mi Wuk Village.
Every listing on the map has a rate you can take over. Start with the ones in California, or list your own low-rate loan and let buyers come to you.
