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Assumable homes for sale in Richmond, CA

20 homesFHA & VA loansrates from 2.70% vs 7.18% today

Richmond assumption guide
273 Beauforest Dr, Oakland, CA, 94611 — assumable FHA mortgage at 3.20%
FHA
Active
42
$685,000$87,372 equity gap
Rate
3.20%
7.18%today
Payment
$2,989/mo
$4,683today
  • 2beds
  • 1baths
  • 506sqft

273 Beauforest Dr, Oakland

398 Wildwood, Hercules, CA, 94547 — assumable FHA mortgage at 3.62%
FHA
Active
46
$505,000$97,882 equity gap
Rate
3.62%
7.18%today
Payment
$2,170/mo
$3,226today
  • 2beds
  • 3baths
  • 1,523sqft

398 Wildwood, Hercules

108 Arcangel Way, San Pablo, CA, 94806 — assumable FHA mortgage at 3.20%
FHA
Active
33
$555,000$134,373 equity gap
Rate
3.20%
7.18%today
Payment
$2,119/mo
$3,319today
  • 3beds
  • 3baths
  • 1,401sqft

108 Arcangel Way, San Pablo

205 Del Valle Cir, El Sobrante, CA, 94803 — assumable VA mortgage at 2.70%
VA
Active
25
$369,000$135,578 equity gap
Rate
2.70%
7.18%today
Payment
$1,089/mo
$1,818today
  • 2beds
  • 2baths
  • 1,022sqft

205 Del Valle Cir, El Sobrante

2106 Alfreda Blvd, San Pablo, CA, 94806 — assumable FHA mortgage at 2.72%
FHA
Active
19
$572,500$208,806 equity gap
Rate
2.72%
7.18%today
Payment
$1,704/mo
$2,839today
  • 3beds
  • 2baths
  • 941sqft

2106 Alfreda Blvd, San Pablo

119 Glenwood, Hercules, CA, 94547-356 — assumable FHA mortgage at 3.64%
FHA
Active
35
$345,000$98,931 equity gap
Rate
3.64%
7.18%today
Payment
$1,305/mo
$1,936today
  • 1beds
  • 1baths
  • 688sqft

119 Glenwood, Hercules

3 Wildwood Place, Richmond, CA, 94803 — assumable FHA mortgage at 3.60%
FHA
Active
52
$960,000$351,725 equity gap
Rate
3.60%
7.18%today
Payment
$3,214/mo
$4,789today
  • 4beds
  • 3baths
  • 2,781sqft

3 Wildwood Place, Richmond

40 Parkview Ter, San Pablo, CA, 94806 — assumable FHA mortgage at 3.73%
FHA
Active
33
$499,000$174,644 equity gap
Rate
3.73%
7.18%today
Payment
$1,736/mo
$2,546today
  • 3beds
  • 3baths
  • 1,680sqft

40 Parkview Ter, San Pablo

540 3rd ST, Richmond, CA, 94801 — assumable FHA mortgage at 3.66%
FHA
Active
55
$425,000$216,234 equity gap
Rate
3.66%
7.18%today
Payment
$1,246/mo
$1,843today
  • 3beds
  • 2baths
  • 963sqft

540 3rd ST, Richmond

193 Glenwood, Hercules, CA, 94547 — assumable VA mortgage at 3.69%
VA
Active
6
$325,000Potential short sale
Rate
3.69%
7.18%today
Payment
$2,234/mo
$3,292today
  • 2beds
  • 2baths
  • 937sqft

193 Glenwood, Hercules

115 Bedford, Hercules, CA, 94547 — assumable FHA mortgage at 3.91%
FHA
Active
39
$685,000$285,003 equity gap
Rate
3.91%
7.18%today
Payment
$2,342/mo
$3,359today
  • 3beds
  • 2baths
  • 1,422sqft

115 Bedford, Hercules

2444 Fitzpatrick St, San Pablo, CA, 94806 — assumable FHA mortgage at 3.97%
FHA
Active
45
$746,000$437,270 equity gap
Rate
3.97%
7.18%today
Payment
$1,903/mo
$2,710today
  • 4beds
  • 2baths
  • 1,331sqft

2444 Fitzpatrick St, San Pablo

159 Lakeshore Ct, Richmond, CA, 94804 — assumable FHA mortgage at 4.04%
FHA
Active
58
$435,000$186,551 equity gap
Rate
4.04%
7.18%today
Payment
$1,192/mo
  • 1beds
  • 1baths
  • 779sqft

159 Lakeshore Ct, Richmond

62 Glenwood, Hercules, CA, 94547 — assumable FHA mortgage at 6.50%
FHA
Active
37
$339,000Potential short sale
Rate
6.50%
7.18%today
Payment
$2,203/mo
$2,361today
  • 1beds
  • 1baths
  • 688sqft

62 Glenwood, Hercules

407 Vista Heights Rd, El Cerrito, CA, 94530 — assumable FHA mortgage at 6.88%
FHA
Active
29
$650,000$12,400 equity gap
Rate
6.88%
7.18%today
Payment
$4,304/mo
$4,436today
  • 2beds
  • 2baths
  • 1,298sqft

407 Vista Heights Rd, El Cerrito

90 Glenwood, Hercules, CA, 94547 — assumable FHA mortgage at 7.44%
FHA
Active
38
$340,000$15,004 equity gap
Rate
7.44%
7.18%today
Payment
$2,321/mo
$2,262today
  • 1beds
  • 1baths
  • 688sqft

90 Glenwood, Hercules

555 Pierce St #522, Albany, CA, 94706 — assumable FHA mortgage at 6.50%
FHA
Active
31
$395,000$24,584 equity gap
Rate
6.50%
7.18%today
Payment
$2,350/mo
$2,519today
  • 1beds
  • 1baths
  • 745sqft

555 Pierce St #522, Albany

1928 California, San Pablo, CA, 94806 — assumable FHA mortgage at 7.08%
FHA
Active
29
$590,000$40,841 equity gap
Rate
7.08%
7.18%today
Payment
$3,842/mo
$3,881today
  • 3beds
  • 1baths
  • 1,201sqft

1928 California, San Pablo

1245 Glen Ave, Berkeley, CA, 94708 — assumable VA mortgage at 6.50%
VA
Active
75
$1,895,000$250,388 equity gap
Rate
6.50%
7.18%today
Payment
$9,704/mo
$10,518today
  • 4beds
  • 5baths
  • 2,680sqft

1245 Glen Ave, Berkeley

670 30th Street, Richmond, CA, 94804-1569 — assumable FHA mortgage at 6.76%
FHA
Active
27
$444,000$407,812 equity gap
Rate
6.76%
7.18%today
Payment
$248/mo
$258today
  • 2beds
  • 1baths
  • 771sqft

670 30th Street, Richmond

Assuming a mortgage in Richmond

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
2.70%
Lowest existing payment
$1,089/mo
Median cash to assume
$155,111
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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