3.10% VA
$515,000
$2,228/mo
215 Camlau
Chula Vista, CA
2 bd2 ba1,125 sqft
Imperial Beach, California
Keep the rate.
Buy the home in Imperial Beach.
18 assumable homes for sale in Imperial Beach, with locked rates from 2.75%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
2.96%
vs 7.2% market
$945/mo saved
Median locked rate
2.96%
Across 18 assumable listings
Typical monthly savings
$945
On a $774,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA
Government-backed loans are assumable by law
Verified in Imperial Beach
Homes with a rate worth keeping
3.12% VA
$380,000
$1,652/mo
550 15th St.
San Diego, CA
0 bd1 ba526 sqft
2.25% VA
$519,900
$1,975/mo
1885 Rennes Pl
Chula Vista, CA
2 bd2 ba1,066 sqft
2.75% VA
$339,999
$1,357/mo
1979 Avenida Del Mexico
San Diego, CA
1 bd1 ba655 sqft
2.76% VA
$680,000
$2,753/mo
1404 Santa Victoria Road
Chula Vista, CA
4 bd4 ba1,573 sqft
2.83% VA
$559,000
$2,166/mo
450 J St
San Diego, CA
2 bd2 ba1,016 sqft
Inventory snapshot
What’s assumable in Imperial Beach right now
Live counts from the MLS feeds we index for California. Updated September 2026.
- Active listings
- 18
- Certified / verified
- 0
- Lowest rate
- 2.75%
- Median rate
- 2.96%
- Median list price
- $774,000
- Median cash to assume
- $301,377
Listings by locked rate
- Under 4%12 homes
- 4% – 5%2 homes
- 5% – 6%0 homes
- 6% and up2 homes
Listings by loan type
- VA18 homesmedian 2.96%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Imperial Beach 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 Imperial Beach.
A 7.2% new loan against an assumable one at 2.96%, same balance, 30 years.
You keep every month
$1,608/mo
Over a year$19,295
Monthly payment, side by side
7.2% vs 2.96%
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 Imperial Beach
Numbers below come from current Imperial Beach inventory and update as listings change.
- How many assumable homes are for sale in Imperial Beach?
- As of September 2026, UMe tracks 18 active assumable listings in Imperial Beach. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Imperial Beach?
- Current Imperial Beach inventory breaks down as VA (18, median 2.96%). 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 Imperial Beach right now?
- The lowest rate on an active Imperial Beach assumable listing is 2.75%, and the median across all 18 listings is 2.96%. 12 listings are under 4% and 14 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 Imperial Beach?
- Across current Imperial Beach listings, the median principal-and-interest payment on the assumable loan is $2,607 per month versus $3,552 for the same balance at today's rates, a difference of about $945 every month, or $11,341 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 Imperial Beach?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Imperial Beach that gap is currently a median of $301,377 on a median list price of $774,000. 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 Imperial Beach ZIP codes have the most assumable homes?
- The Imperial Beach ZIP codes with the most active assumable listings are 91932 (18). 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 Imperial Beach?
- 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 Imperial Beach.
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.
