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Assumable homes for sale in Rancho Mirage, CA

83 homesFHA & VA loansrates from 2.66% vs 7.18% today

Rancho Mirage assumption guide
259 Desert Falls Drive, Palm Desert, CA, 92211 — assumable VA mortgage at 2.97%
VA
Active
38
$339,500$65,200 equity gap
Rate
2.97%
7.18%today
Payment
$1,305/mo
$2,105today
  • 2beds
  • 2baths
  • 1,330sqft

259 Desert Falls Drive, Palm Desert

48944 Desert Flower, Palm Desert, CA, 92260 — assumable FHA mortgage at 3.10%
FHA
Active
15
$355,000$64,065 equity gap
Rate
3.10%
7.18%today
Payment
$1,380/mo
$2,189today
  • 3beds
  • 2baths
  • 1,348sqft

48944 Desert Flower, Palm Desert

38820 Desert Greens Drive, Palm Desert, CA, 92260 — assumable VA mortgage at 2.78%
VA
Active
34
$365,000$104,399 equity gap
Rate
2.78%
7.18%today
Payment
$1,206/mo
$1,994today
  • 2beds
  • 2baths
  • 1,800sqft

38820 Desert Greens Drive, Palm Desert

43289 Lacovia Drive, Bermuda Dunes, CA, 92203 — assumable VA mortgage at 2.66%
VA
Active
39
$468,000$161,433 equity gap
Rate
2.66%
7.18%today
Payment
$1,420/mo
$2,385today
  • 3beds
  • 3baths
  • 2,304sqft

43289 Lacovia Drive, Bermuda Dunes

37443 Mojave Sage Street, Palm Desert, CA, 92211 — assumable VA mortgage at 2.71%
VA
Active
24
$529,990$207,386 equity gap
Rate
2.71%
7.18%today
Payment
$1,506/mo
$2,513today
  • 3beds
  • 2baths
  • 1,858sqft

37443 Mojave Sage Street, Palm Desert

32957 Pueblo Trail, Cathedral City, CA, 92234 — assumable FHA mortgage at 2.81%
FHA
Active
57
$550,000$218,960 equity gap
Rate
2.81%
7.18%today
Payment
$1,555/mo
$2,561today
  • 5beds
  • 3baths
  • 1,904sqft

32957 Pueblo Trail, Cathedral City

32957 Pueblo Trail, Cathedral City, CA, 92234 — assumable FHA mortgage at 2.81%
FHA
Active
57
$550,000$218,960 equity gap
Rate
2.81%
7.18%today
Payment
$1,555/mo
$2,561today
  • 5beds
  • 3baths
  • 1,904sqft

32957 Pueblo Trail, Cathedral City

26866 Rio Madre Drive, Cathedral City, CA, 92234 — assumable FHA mortgage at 2.86%
FHA
Active
58
$554,888$198,097 equity gap
Rate
2.86%
7.18%today
Payment
$1,655/mo
$2,707today
  • 5beds
  • 4baths
  • 2,076sqft

26866 Rio Madre Drive, Cathedral City

1914 Marguerite Street, Palm Springs, CA, 92264 — assumable VA mortgage at 2.89%
VA
Active
11
$725,000$228,400 equity gap
Rate
2.89%
7.18%today
Payment
$2,381/mo
$3,881today
  • 3beds
  • 2baths
  • 1,550sqft

1914 Marguerite Street, Palm Springs

27875 Avenida Maravilla, Cathedral City, CA, 92234 — assumable FHA mortgage at 2.96%
FHA
Active
38
$549,950$200,143 equity gap
Rate
2.96%
7.18%today
Payment
$1,690/mo
$2,730today
  • 3beds
  • 2baths
  • 1,865sqft

27875 Avenida Maravilla, Cathedral City

53595 Avenida Diaz, La Quinta, CA, 92253 — assumable VA mortgage at 3.07%
VA
Active
$635,000$215,628 equity gap
Rate
3.07%
7.18%today
Payment
$1,991/mo
$3,170today
  • 3beds
  • 2baths
  • 1,426sqft

53595 Avenida Diaz, La Quinta

67486 Rio Largo Road, Cathedral City, CA, 92234 — assumable FHA mortgage at 3.13%
FHA
Active
59
$475,000$172,560 equity gap
Rate
3.13%
7.18%today
Payment
$1,498/mo
$2,368today
  • 3beds
  • 2baths
  • 1,924sqft

67486 Rio Largo Road, Cathedral City

858 Calle De Mimosas, Palm Springs, CA, 92262 — assumable FHA mortgage at 4.17%
FHA
Active
44
$529,000$68,222 equity gap
Rate
4.17%
7.18%today
Payment
$2,439/mo
$3,391today
  • 3beds
  • 2baths
  • 1,347sqft

858 Calle De Mimosas, Palm Springs

314 Via Napoli, Cathedral City, CA, 92234 — assumable VA mortgage at 2.73%
VA
Active
54
$599,000$330,580 equity gap
Rate
2.73%
7.18%today
Payment
$1,253/mo
$2,085today
  • 3beds
  • 3baths
  • 2,087sqft

314 Via Napoli, Cathedral City

1385 Passage Street, Palm Springs, CA, 92262 — assumable VA mortgage at 2.73%
VA
Active
53
$1,275,000$855,385 equity gap
Rate
2.73%
7.18%today
Payment
$1,959/mo
$3,259today
  • 3beds
  • 3baths
  • 2,315sqft

1385 Passage Street, Palm Springs

74495 Gary Avenue, Palm Desert, CA, 92260 — assumable FHA mortgage at 2.81%
FHA
Active
51
$315,000$211,952 equity gap
Rate
2.81%
7.18%today
Payment
$489/mo
$805today
  • 2beds
  • 2baths
  • 1,881sqft

74495 Gary Avenue, Palm Desert

44476 Hazel Canyon Lane, Palm Desert, CA, 92260 — assumable VA mortgage at 2.81%
VA
Active
47
$849,000$580,875 equity gap
Rate
2.81%
7.18%today
Payment
$1,272/mo
$2,094today
  • 4beds
  • 4baths
  • 2,620sqft

44476 Hazel Canyon Lane, Palm Desert

37369 Bankside Drive, Cathedral City, CA, 92234 — assumable VA mortgage at 2.83%
VA
Active
36
$775,000$477,085 equity gap
Rate
2.83%
7.18%today
Payment
$1,416/mo
$2,326today
  • 3beds
  • 2baths
  • 1,665sqft

37369 Bankside Drive, Cathedral City

77 Colgate Drive, Rancho Mirage, CA, 92270 — assumable VA mortgage at 2.88%
VA
Active
58
$1,195,000$710,946 equity gap
Rate
2.88%
7.18%today
Payment
$2,319/mo
$3,784today
  • 3beds
  • 3baths
  • 2,940sqft

77 Colgate Drive, Rancho Mirage

79080 Citrus, La Quinta, CA, 92253 — assumable VA mortgage at 2.88%
VA
Active
56
$1,346,500$918,565 equity gap
Rate
2.88%
7.18%today
Payment
$1,998/mo
$3,260today
  • 3beds
  • 4baths
  • 3,102sqft

79080 Citrus, La Quinta

466 Camino Sur, Palm Springs, CA, 92262 — assumable VA mortgage at 2.94%
VA
Active
50
$4,400,000$3,883,928 equity gap
Rate
2.94%
7.18%today
Payment
$2,442/mo
$3,955today
  • 4beds
  • 3baths
  • 4,368sqft

466 Camino Sur, Palm Springs

31837 Avenida Alvera, Cathedral City, CA, 92234 — assumable FHA mortgage at 2.94%
FHA
Active
52
$749,950$359,941 equity gap
Rate
2.94%
7.18%today
Payment
$1,885/mo
$3,052today
  • —beds
  • —baths
  • 2,045sqft

31837 Avenida Alvera, Cathedral City

31837 Avenida Alvera, Cathedral City, CA, 92234 — assumable FHA mortgage at 2.94%
FHA
Active
52
$749,950$359,941 equity gap
Rate
2.94%
7.18%today
Payment
$1,885/mo
$3,052today
  • —beds
  • —baths
  • 2,045sqft

31837 Avenida Alvera, Cathedral City

74472 Zircon Circle, Palm Desert, CA, 92260 — assumable VA mortgage at 2.95%
VA
Active
50
$480,000$301,158 equity gap
Rate
2.95%
7.18%today
Payment
$847/mo
$1,370today
  • 2beds
  • 2baths
  • 1,836sqft

74472 Zircon Circle, Palm Desert

78180 Hacienda La Quinta Drive, La Quinta, CA, 92253 — assumable VA mortgage at 2.96%
VA
Active
51
$3,250,000$2,568,375 equity gap
Rate
2.96%
7.18%today
Payment
$3,301/mo
$5,331today
  • 3beds
  • 4baths
  • 4,091sqft

78180 Hacienda La Quinta Drive, La Quinta

40725 Yucca Lane, Bermuda Dunes, CA, 92203 — assumable VA mortgage at 3.02%
VA
Active
80
$2,100,000$1,171,354 equity gap
Rate
3.02%
7.18%today
Payment
$4,464/mo
$7,154today
  • 3beds
  • 4baths
  • 2,804sqft

40725 Yucca Lane, Bermuda Dunes

47755 Soft Moonlight, La Quinta, CA, 92253 — assumable FHA mortgage at 3.07%
FHA
Active
44
$429,900$244,445 equity gap
Rate
3.07%
7.18%today
Payment
$880/mo
$1,402today
  • 3beds
  • 2baths
  • 1,337sqft

47755 Soft Moonlight, La Quinta

79335 Rose Dawn, La Quinta, CA, 92253 — assumable VA mortgage at 3.10%
VA
Active
41
$415,000$227,257 equity gap
Rate
3.10%
7.18%today
Payment
$890/mo
$1,412today
  • 2beds
  • 2baths
  • 1,231sqft

79335 Rose Dawn, La Quinta

25 Chardonnay, Rancho Mirage, CA, 92270 — assumable VA mortgage at 3.12%
VA
Active
75
$1,215,000$584,636 equity gap
Rate
3.12%
7.18%today
Payment
$2,996/mo
$4,741today
  • 2beds
  • 3baths
  • 2,504sqft

25 Chardonnay, Rancho Mirage

31520 Avenida El Mundo, Cathedral City, CA, 92234 — assumable FHA mortgage at 3.13%
FHA
Active
28
$430,000$183,047 equity gap
Rate
3.13%
7.18%today
Payment
$1,221/mo
$1,929today
  • 3beds
  • 2baths
  • 1,250sqft

31520 Avenida El Mundo, Cathedral City

31120 Avenue Valdez, Cathedral City, CA, 92234 — assumable VA mortgage at 3.14%
VA
Active
17
$430,000$367,997 equity gap
Rate
3.14%
7.18%today
Payment
$295/mo
$465today
  • 3beds
  • 2baths
  • 1,320sqft

31120 Avenue Valdez, Cathedral City

73551 Desert Greens Drive, Palm Desert, CA, 92260 — assumable FHA mortgage at 3.56%
FHA
Active
18
$350,000$136,441 equity gap
Rate
3.56%
7.18%today
Payment
$1,127/mo
$1,687today
  • 3beds
  • 2baths
  • 2,208sqft

73551 Desert Greens Drive, Palm Desert

72795 Pitahaya Street, Palm Desert, CA, 92260 — assumable VA mortgage at 3.29%
VA
Active
41
$698,000$416,693 equity gap
Rate
3.29%
7.18%today
Payment
$1,430/mo
$2,215today
  • 3beds
  • 3baths
  • 1,580sqft

72795 Pitahaya Street, Palm Desert

78600 Via Corrido, La Quinta, CA, 92253 — assumable VA mortgage at 3.31%
VA
Active
29
$599,000$242,491 equity gap
Rate
3.31%
7.18%today
Payment
$1,804/mo
$2,787today
  • 3beds
  • 3baths
  • 2,004sqft

78600 Via Corrido, La Quinta

34688 Stage Drive, Thousand Palms, CA, 92276 — assumable FHA mortgage at 3.45%
FHA
Active
57
$365,000Potential short sale
Rate
3.45%
7.18%today
Payment
$1,975/mo
$2,998today
  • 2beds
  • 2baths
  • 2,015sqft

34688 Stage Drive, Thousand Palms

41389 Penn Drive, Palm Desert, CA, 92211 — assumable FHA mortgage at 3.50%
FHA
Active
34
$550,000$550,000 equity gap
Rate
3.50%
7.18%today
Payment
$0/mo
  • 3beds
  • 3baths
  • 1,725sqft

41389 Penn Drive, Palm Desert

Assuming a mortgage in Rancho Mirage

An assumable mortgage lets you buy the home and take over the seller’s existing FHA, VA or USDA loan—its rate, balance and remaining term included. Each listing above shows the existing rate and payment next to what the same loan would cost at today’s rates (about 7.18%), so you can see the saving before you tour.

Lowest existing rate
2.66%
Lowest existing payment
$489/mo
Median cash to assume
$227,257
Equal Housing Opportunity

UMe is committed to and abides by the Fair Housing Act and Equal Opportunity. Listing data is refreshed daily from participating MLS feeds; existing loan terms are estimates until verified with the servicer.

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