3.11% FHA
$399,900
$1,637/mo
67363 Rio Oso Rd
Cathedral City, CA
2 bd2 ba1,185 sqft
Palm Desert, California
Keep the rate.
Buy the home in Palm Desert.
22 assumable homes for sale in Palm Desert, with locked rates from 2.78%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.41%
vs 7.2% market
$726/mo saved
Median locked rate
5.41%
Across 22 assumable listings
Typical monthly savings
$726
On a $539,500 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Palm Desert
Homes with a rate worth keeping
2.20% VA
$499,999
$3,332/mo
80861 Calle Azul
La Quinta, CA
2 bd2 ba1,371 sqft
2.98% VA
$348,500
$1,307/mo
259 Desert Falls Drive
Palm Desert, CA
2 bd2 ba1,330 sqft
3.04% FHA
$314,900
$1,165/mo
47395 Monroe Street
Indio, CA
3 bd2 ba1,241 sqft
3.07% VA
$499,999
$1,646/mo
73854 Seven Springs Drive
Palm Desert, CA
2 bd2 ba1,800 sqft
3.10% FHA
$385,000
$1,380/mo
48944 Desert Flower
Palm Desert, CA
3 bd2 ba1,348 sqft
Inventory snapshot
What’s assumable in Palm Desert right now
Live counts from the MLS feeds we index for California. Updated September 2026.
- Active listings
- 22
- Certified / verified
- 0
- Lowest rate
- 2.78%
- Median rate
- 5.41%
- Median list price
- $539,500
- Median cash to assume
- $149,493
Listings by locked rate
- Under 4%8 homes
- 4% – 5%1 home
- 5% – 6%3 homes
- 6% and up8 homes
Listings by loan type
- FHA12 homesmedian 6.81%
- VA10 homesmedian 3.45%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Palm Desert 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 Palm Desert.
A 7.2% new loan against an assumable one at 5.41%, same balance, 30 years.
You keep every month
$504/mo
Over a year$6,046
Monthly payment, side by side
7.2% vs 5.41%
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 Palm Desert
Numbers below come from current Palm Desert inventory and update as listings change.
- How many assumable homes are for sale in Palm Desert?
- As of September 2026, UMe tracks 22 active assumable listings in Palm Desert. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Palm Desert?
- Current Palm Desert inventory breaks down as FHA (12, median 6.81%) and VA (10, median 3.45%). 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 Palm Desert right now?
- The lowest rate on an active Palm Desert assumable listing is 2.78%, and the median across all 22 listings is 5.41%. 8 listings are under 4% and 9 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
- How much can I save with a mortgage assumption in Palm Desert?
- Across current Palm Desert listings, the median principal-and-interest payment on the assumable loan is $2,470 per month versus $3,195 for the same balance at today's rates, a difference of about $726 every month, or $8,710 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 Palm Desert?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Palm Desert that gap is currently a median of $149,493 on a median list price of $539,500. 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 Palm Desert ZIP codes have the most assumable homes?
- The Palm Desert ZIP codes with the most active assumable listings are 92211 (14) and 92260 (8). 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 Palm Desert?
- 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 Palm Desert.
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.
