FHA
Active
35$584,900$90,306 equity gap
- Rate
- 3.12%
7.18%today- Payment
- $2,356/mo
$3,728today
- 3beds
- 3baths
- 2,174sqft
Citrus Heights, California
Assumable homes for salein Citrus Heights, California.
An assumable mortgage lets you take over a seller’s existing low-rate FHA, VA, or USDA loan instead of financing at today’s 7.2%. These are the ones we verify in Citrus Heights.
Live MLS data · Updated
Citrus Heights assumable market
by the numbers.
6active assumable listings
4.81%average locked rate
$524ktypical list price
$644saved per month vs. 7.2%
About the market
Assumable mortgagesin Citrus Heights, explained.
Every number on this page comes from the live MLS feeds UMe indexes for California, filtered to Citrus Heights. Updated November 2026.
How assumptions work for buyersAs of November 2026, UMe has no verified assumable listings in Citrus Heights. That changes quickly: assumable homes come on the market every week across California as sellers with FHA, VA, and USDA loans written at 2% to 5% decide to move. Save a Citrus Heights search on the map and we will email you the moment one lands.
An assumable mortgage lets a qualified buyer take over the seller's existing loan, keeping the original rate, balance, and remaining term instead of financing at today's roughly 7.2%. FHA, VA, and USDA loans are assumable by law; conventional loans almost never are. UMe confirms the loan terms with the listing agent, runs the assumption with the servicer, and connects buyers with lenders who write second loans behind an assumption when the seller's equity is more than their cash.
Verified in Citrus Heights
Homes on the marketin Citrus Heights.
FHA
Active
28$599,999Potential short sale
- Rate
- 3.21%
7.18%today- Payment
- $3,572/mo
$5,589today
- 3beds
- 2baths
- 1,600sqft
641 Grider Drive, Roseville
VA
Active
27$638,000$56,458 equity gap
- Rate
- 6.79%
7.18%today- Payment
- $3,861/mo
$4,016today
- 4beds
- 2baths
- 2,087sqft
8201 Sunbonnet Dr, Fair Oaks
FHA
Active
46$539,000$236,595 equity gap
- Rate
- 4.66%
7.18%today- Payment
- $1,841/mo
$2,416today
- 4beds
- 3baths
- 2,187sqft
1411 Landmark Cir, Lincoln
FHA
Active
3$264,000Potential short sale
- Rate
- 4.67%
7.18%today- Payment
- $2,030/mo
$2,661today
- 3beds
- 1baths
- 1,098sqft
3020 Mills Park, Rancho Cordova
FHA
Active
24$520,000$102,291 equity gap
- Rate
- 6.42%
7.18%today- Payment
- $2,730/mo
$2,950today
- 4beds
- 3baths
- 1,834sqft
3016 Bettina Way, Sacramento
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Run the Citrus Heights numbers
What an assumable ratedoes to a Citrus Heights payment.
The sliders start at the median Citrus Heights assumable listing: $524,317 list price and a 4.81% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$105,000
20% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Citrus Heights
$2,359/mo
New loan at 7.20%$2,851
Assumed at 4.80%
$2,359
Every month$492
Over five years$29,523
Interest you never pay$290,36126-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Citrus Heights listing on UMe shows the actual balance, rate, and payment.
How it works in Citrus Heights
How to assumea mortgage in Citrus Heights.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find a Citrus Heights home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Citrus Heights map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and a Citrus Heights payment written in a different decade.
Citrus Heights questions
Assuming a mortgagein Citrus Heights.
The numbers below come from current Citrus Heights inventory and update as listings change.
All assumption FAQsAre there assumable homes for sale in Citrus Heights?
As of November 2026, there are no verified assumable listings in Citrus Heights. New assumable homes appear every week across California; save a search on the map and we will email you when one lands in Citrus Heights.
What types of loans can be assumed in Citrus Heights?
FHA, VA, and USDA mortgages are assumable by law and make up nearly all assumable listings in California. Conventional loans usually include a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan.
How long does a mortgage assumption take in Citrus Heights?
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.
Nearby markets
All of California More assumable homesin California.
Ready when you are
Stop overpaying for Citrus Heights.The rate is already on the house.
Every listing on the Citrus Heights map has a rate you can take over. Start with the ones in Citrus Heights, get pre-qualified in minutes, and let UMe carry the assumption to closing.