2.78% VA
$1,450,000
$6,557/mo
9699 Yoakum Drive
Los Angeles, CA
3 bd2 ba1,841 sqft
Sun Valley, California
Keep the rate.
Buy the home in Sun Valley.
2 assumable homes for sale in Sun Valley, with locked rates from 6.91%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
7.00%
vs 7.2% market
$284/mo saved
Median locked rate
7.00%
Across 2 assumable listings
Typical monthly savings
$284
On a $833,500 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 Sun Valley
Homes with a rate worth keeping
3.45% VA
$679,000
$3,217/mo
5016 Bakman Avenue
North Hollywood, CA
2 bd3 ba1,350 sqft
2.68% FHA
$499,900
$1,847/mo
2989 12th Street
Los Angeles, CA
2 bd1 ba520 sqft
2.77% FHA
$680,000
$2,512/mo
9155 Cedros Avenue
Panorama City, CA
4 bd3 ba1,893 sqft
2.90% FHA
$920,000
$3,219/mo
12817 Mineola Street
Arleta, CA
3 bd3 ba1,680 sqft
3.75% FHA
$809,000
$3,984/mo
17014 Rinaldi Street
Granada Hills, CA
4 bd2 ba1,726 sqft
Inventory snapshot
What’s assumable in Sun Valley right now
Live counts from the MLS feeds we index for California. Updated August 2026.
- Active listings
- 2
- Certified / verified
- 0
- Lowest rate
- 6.91%
- Median rate
- 7.00%
- Median list price
- $833,500
- Median cash to assume
- $168,671
Listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up2 homes
Listings by loan type
- FHA2 homesmedian 7.00%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Sun Valley 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 Sun Valley.
A 7.2% new loan against an assumable one at 7.00%, same balance, 30 years.
You keep every month
$90/mo
Over a year$1,081
Monthly payment, side by side
7.2% vs 7.00%
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 Sun Valley
Numbers below come from current Sun Valley inventory and update as listings change.
- How many assumable homes are for sale in Sun Valley?
- As of August 2026, UMe tracks 2 active assumable listings in Sun Valley. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Sun Valley?
- Current Sun Valley inventory breaks down as FHA (2, median 7.00%). 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 Sun Valley right now?
- The lowest rate on an active Sun Valley assumable listing is 6.91%, and the median across all 2 listings is 7.00%. 0 listings are under 4% and 0 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 Sun Valley?
- Across current Sun Valley listings, the median principal-and-interest payment on the assumable loan is $5,346 per month versus $5,630 for the same balance at today's rates, a difference of about $284 every month, or $3,407 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 Sun Valley?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Sun Valley that gap is currently a median of $168,671 on a median list price of $833,500. 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 Sun Valley ZIP codes have the most assumable homes?
- The Sun Valley ZIP codes with the most active assumable listings are 91352 (2). 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 Sun Valley?
- 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 Sun Valley.
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.
