03/12/2026
There are currently dozens of homes in Ventura County with VA & FHA loans under ~4%… and many around 2.75%.
Most of these homes are NOT marketed as assumable.
But the truth is… buyers can often request a VA or FHA loan assumption as part of their offer.
That can mean:
• Lower monthly payments
• Lower interest rates
• Thousands saved over time
The catch?
You need to understand the equity gap, lender process, and how to structure the offer correctly.
This is exactly what I help buyers navigate.
As a Veteran and Ventura County’s #1 VA Loan Buyers Agent, helping buyers understand assumptions is one of my specialties.
If you’d like a current list of homes with assumable loans, rates, and estimated equity gaps, reach out.
📩 Click the link, Call, Text, or DM me “ASSUME” and I’ll send the list.
Mike Robb
Your Keys to the County
Epique Realty
https://mikerobb.epiquerealty.com/contactmike