Assumable homes for sale in Santa Maria, CA

22 homesVA & FHA loansrates from 2.73% vs 7.18% today

Santa Maria assumption guide
1508 Oakridge Park, Santa Maria, CA, 93455 — assumable VA mortgage at 2.77%
VA
Active
36
$520,000$178,992 equity gap
Rate
2.77%
7.18%today
Payment
$1,573/mo
$2,603today
  • 2beds
  • 2baths
  • 1,349sqft

1508 Oakridge Park, Santa Maria

375 Cain Drive, Santa Maria, CA, 93455 — assumable VA mortgage at 2.73%
VA
Active
29
$650,000$291,988 equity gap
Rate
2.73%
7.18%today
Payment
$1,671/mo
$2,781today
  • 3beds
  • 2baths
  • 1,744sqft

375 Cain Drive, Santa Maria

1368 Foster, Santa Maria, CA, 93455 — assumable VA mortgage at 2.99%
VA
Active
26
$659,900$426,798 equity gap
Rate
2.99%
7.18%today
Payment
$1,135/mo
$1,826today
  • 3beds
  • 2baths
  • 1,546sqft

1368 Foster, Santa Maria

1275 Grand Meadow Way, Santa Maria, CA, 93455 — assumable VA mortgage at 3.01%
VA
Active
75
$1,299,000$727,716 equity gap
Rate
3.01%
7.18%today
Payment
$2,788/mo
$4,474today
  • 5beds
  • 4baths
  • 3,077sqft

1275 Grand Meadow Way, Santa Maria

1378 Blossom Drive, Santa Maria, CA, 93455 — assumable VA mortgage at 4.72%
VA
Active
18
$675,000$96,507 equity gap
Rate
4.72%
7.18%today
Payment
$3,238/mo
$4,220today
  • 3beds
  • 3baths
  • 1,546sqft

1378 Blossom Drive, Santa Maria

2053 Lockwood, Santa Maria, CA, 93455 — assumable FHA mortgage at 3.48%
FHA
Active
33
$620,000$427,774 equity gap
Rate
3.48%
7.18%today
Payment
$1,106/mo
$1,673today
  • 3beds
  • 2baths
  • 1,665sqft

2053 Lockwood, Santa Maria

633 Beverly Drive, Nipomo, CA, 93444 — assumable FHA mortgage at 3.55%
FHA
Active
29
$575,000$397,208 equity gap
Rate
3.55%
7.18%today
Payment
$1,210/mo
$1,815today
  • 2beds
  • 2baths
  • 1,440sqft

633 Beverly Drive, Nipomo

321 Garnet Way, Santa Maria, CA, 93454 — assumable VA mortgage at 3.73%
VA
Active
27
$729,000$484,698 equity gap
Rate
3.73%
7.18%today
Payment
$1,308/mo
$1,918today
  • 3beds
  • 2baths
  • 1,640sqft

321 Garnet Way, Santa Maria

290 Casa Real Place, Nipomo, CA, 93444 — assumable VA mortgage at 3.88%
VA
Active
55
$1,035,000$729,692 equity gap
Rate
3.88%
7.18%today
Payment
$2,153/mo
$3,100today
  • 3beds
  • 2baths
  • 1,718sqft

290 Casa Real Place, Nipomo

1310 Cox, Santa Maria, CA, 93454 — assumable FHA mortgage at 3.90%
FHA
Active
34
$1,085,000$825,353 equity gap
Rate
3.90%
7.18%today
Payment
$1,507/mo
$2,164today
  • 6beds
  • 4baths
  • 2,209sqft

1310 Cox, Santa Maria

5604 Aidan Way, Santa Maria, CA, 93455 — assumable FHA mortgage at 4.20%
FHA
Active
29
$709,000$269,992 equity gap
Rate
4.20%
7.18%today
Payment
$2,499/mo
$3,463today
  • 3beds
  • 3baths
  • 2,052sqft

5604 Aidan Way, Santa Maria

275 Meadowbrook Drive, Santa Maria, CA, 93455 — assumable VA mortgage at 6.89%
VA
Active
47
$859,900$49,815 equity gap
Rate
6.89%
7.18%today
Payment
$5,416/mo
$5,576today
  • 4beds
  • 3baths
  • 2,097sqft

275 Meadowbrook Drive, Santa Maria

5628 Aidan, Santa Maria, CA, 93455 — assumable VA mortgage at 6.12%
VA
Active
39
$719,000$107,313 equity gap
Rate
6.12%
7.18%today
Payment
$3,887/mo
$4,336today
  • 3beds
  • 3baths
  • 2,052sqft

5628 Aidan, Santa Maria

309 Dressler, Santa Maria, CA, 93454 — assumable FHA mortgage at 6.75%
FHA
Active
35
$825,000$86,719 equity gap
Rate
6.75%
7.18%today
Payment
$4,840/mo
$5,055today
  • 3beds
  • 2baths
  • 1,567sqft

309 Dressler, Santa Maria

838 Rain Tree Court, Santa Maria, CA, 93455 — assumable FHA mortgage at 5.00%
FHA
Active
75
$899,000$657,142 equity gap
Rate
5.00%
7.18%today
Payment
$2,093/mo
$2,641today
  • 4beds
  • 3baths
  • 2,513sqft

838 Rain Tree Court, Santa Maria

4365 Herado, Guadalupe, CA, 93434 — assumable FHA mortgage at 5.00%
FHA
Active
47
$715,000$114,674 equity gap
Rate
5.00%
7.18%today
Payment
$3,447/mo
$4,350today
  • 3beds
  • 3baths
  • 1,856sqft

4365 Herado, Guadalupe

720 Via Vista Verde, Santa Maria, CA, 93455 — assumable VA mortgage at 6.61%
VA
Active
67
$820,000$194,030 equity gap
Rate
6.61%
7.18%today
Payment
$4,186/mo
$4,435today
  • 4beds
  • 3baths
  • 2,070sqft

720 Via Vista Verde, Santa Maria

1978 Eucalyptus, Nipomo, CA, 93444 — assumable VA mortgage at 6.13%
VA
Active
72
$1,499,000$568,225 equity gap
Rate
6.13%
7.18%today
Payment
$5,927/mo
$6,605today
  • 2beds
  • 3baths
  • 2,558sqft

1978 Eucalyptus, Nipomo

509 Bunny #4, Santa Maria, CA, 93458 — assumable FHA mortgage at 6.78%
FHA
Active
42
$1,050,000$335,551 equity gap
Rate
6.78%
7.18%today
Payment
$4,743/mo
$4,939today
  • —beds
  • —baths
  • 3,692sqft

509 Bunny #4, Santa Maria

3435 Greenacre, Santa Maria, CA, 93455 — assumable FHA mortgage at 6.94%
FHA
Active
36
$544,900$172,190 equity gap
Rate
6.94%
7.18%today
Payment
$2,523/mo
$2,585today
  • 3beds
  • 2baths
  • 1,440sqft

3435 Greenacre, Santa Maria

144 Palm Court, Santa Maria, CA, 93454 — assumable FHA mortgage at 6.58%
FHA
Active
44
$629,000$609,979 equity gap
Rate
6.58%
7.18%today
Payment
$131/mo
$139today
  • 2beds
  • 2baths
  • 1,540sqft

144 Palm Court, Santa Maria

211 Pine, Santa Maria, CA, 93458 — assumable FHA mortgage at 7.08%
FHA
Active
4
$425,000$368,783 equity gap
Rate
7.08%
7.18%today
Payment
$1,006/mo
$1,016today
  • 2beds
  • 1baths
  • 794sqft

211 Pine, Santa Maria

Assuming a mortgage in Santa Maria

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
2.73%
Lowest existing payment
$1,006/mo
Median cash to assume
$352,167
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.