September 2026 HUD file
HUD-insured apartment loans in California
716 properties with 79,308 units carry FHA-insured mortgages in California, with $9.0 billion still owed. The median note rate is 3.65%, and 431 of them are below 4%.
716insured loans
3.65%median note rate
$9.0 billionbalance outstanding
5.54%median on loans endorsed in the last 12 months, all states
By program
| 223(f) purchase or refinance | 382 |
|---|---|
| 221(d)(4) construction or substantial rehab | 77 |
| 223(a)(7) refinance | 132 |
| HFA risk-sharing | 119 |
| 241(a) supplemental | 4 |
| Older and other programs | 2 |
Lowest rates with 10+ years left
These are the loans a buyer would most want to assume. Open one for the payment math.
| Property | City | Units | Rate | Balance | Matures |
|---|---|---|---|---|---|
| Goldware Senior Housing | Riverside | 160 | 2.07% | $6.4 million | 2056 |
| Cherrylee Gardens | El Monte | 78 | 2.075% | $12.6 million | 2056 |
| Arrow Plaza | Covina | 64 | 2.075% | $10.9 million | 2056 |
| Almond Terrace | Ceres | 46 | 2.09% | $5.6 million | 2055 |
| Park Place | Lynwood | 99 | 2.09% | $5.0 million | 2056 |
| Creekbridge Apartments | Salinas | 220 | 2.13% | $38.3 million | 2055 |
| Swansea Park | Los Angeles | 82 | 2.13% | $14.2 million | 2056 |
| Christiansen Senior Apartments | Indio | 144 | 2.14% | $12.3 million | 2056 |
| Denair Manor Apartments | Turlock | 70 | 2.15% | $8.3 million | 2062 |
| Serenity Villas | Pomona | 174 | 2.16% | $28.8 million | 2055 |
| Sorrento Villas Senior Apartments | Simi Valley | 147 | 2.17% | $8.9 million | 2056 |
| Casablanca Apartments | Palmdale | 198 | 2.17% | $8.7 million | 2056 |
| The Resudences at Village Walk | Tarzana | 57 | 2.18% | $23.5 million | 2056 |
| Crown Point Apartments | West Covina | 192 | 2.19% | $15.4 million | 2047 |
| San Lorenzo Park Apartments | Santa Cruz | 77 | 2.2% | $12.3 million | 2055 |
Filter every state in the assumable-loan finder
Paying off within five years
Most HUD loans amortize to zero, so these balances are usually small. The owners are deciding what to do with a nearly paid-off property.
| Property | City | Units | Rate | Balance | Matures |
|---|---|---|---|---|---|
| Monterey Village Apts | Rancho Cucamonga | 224 | 7.25% | $34,561 | 2026 |
| Mountainside Apts | Rancho Cucamonga | 384 | 7.25% | $0 | 2026 |
| Sycamore Spring Apts | Rancho Cucamonga | 240 | 7.25% | $29,981 | 2026 |
| Regency Court Senior Apts | Salinas | 120 | 7.25% | $292,049 | 2027 |
| Village Place Apts | San Diego | 47 | 6% | $90,333 | 2027 |
| Lakeview I Apartments | Lake Elsinore | 88 | 4.495% | $3.7 million | 2028 |
| Meadowview I Apartments | Perris | 88 | 4.496% | $3.7 million | 2028 |
| Aspen Family Apartments | Milpitas | 101 | 6.55% | $6.8 million | 2028 |
| Camden Place | La Palma | 35 | 7.25% | $254,211 | 2028 |
| Victoria Apartments | Concord | 12 | 8.25% | $70,880 | 2029 |
By city
- Los Angeles 73
- San Jose 28
- San Francisco 25
- San Diego 21
- Fresno 20
- Sacramento 13
- San Bernardino 11
- Oakland 10
- Modesto 9
- North Hollywood 9
- Van Nuys 9
- Santa Rosa 8
- Stockton 8
- Bakersfield 7
- Fontana 7
- Hayward 7
- Riverside 7
- Chula Vista 6
- Long Beach 6
- Palmdale 6
- Santa Ana 6
- Sunnyvale 6
- Davis 5
- El Cajon 5
- Hawthorne 5
- Pasadena 5
- Salinas 5
- Santa Cruz 5
- Venice 5
- Victorville 5
- Anaheim 4
- Burbank 4
- Chico 4
- Concord 4
- Delano 4
- Fremont 4
- Hemet 4
- Inglewood 4
- Lompoc 4
- Madera 4
- Monterey 4
- Porterville 4
- Redlands 4
- West Sacramento 4
Everywhere else in California
- Creekside Apartments Albany · 6.35%
- Wysong Village Apartments Alhambra · 3.97%
- Antioch Rivertown Senir Housing Antioch · 4.67%
- Blue Pacific Mobile Home Park Aptos · 4.27%
- Via Pacifica Gardens Aptos · 2.35%
- Naomi Gardens Arcadia · 4.11%
- Southwest Pointe Apaprtments Arleta · 2.77%
- Woodman Arleta Apartments Arleta · 2.77%
- Cortina D Arroyo Grande Arroyo Grande · 3.34%
- Villa Del Comache Arvin · 4.55%
- California Grand Manor Apartments Atascadero · 6.4%
- Auburn Palms Auburn · 5.6%
- Azusa Apartments Azusa · 4.21%
- Telacu Senior Court Baldwin Park · 2.96%
- Westview Terrace Banning · 4.28%
- Windscape Village Apartments Banning · 2.52%
- Desert Heights Barstow · 3.17%
- Virginia Terrace Barstow · 5.5%
- Save Island Cooperative Homes Berkeley · 2.76%
- Silsby Gardens Apartments Blythe · 5.115%
- Brawley Gardens Brawley · 3.91%
- The Silvergate Brentwood · 5.35%
- Casa Santa Maria Buena Park · 3.19%
- Calexico Garden Apartmen Calexico · 7.35%
- Roscoe Park Apartments Canoga Park · 3%
- Walnut Pointe Apartments Canoga Park · 2.7%
- Hunters Pointe Apartments Carlsbad · 3.98%
- Rancho Carrillo Apts Carlsbad · 4%
- Carson Garden Carson · 5.34%
- Villaggio II Carson · 5.93%
- Villagio I Carson · 5.93%
- Creekside Apts Cathedral City · 3.33%
- Almond Terrace Ceres · 2.09%
- Spring Tree Apartments Chino · 3.4%
- Greenback Terrace Apartments Citrus Heights · 5.15%
- Highlands Village Clearlake · 4.09%
- Coventry Cove Apartments Clovis · 2.78%
- Emerson Apartments Clovis · 2.35%
- Westwood I Apts Coalinga · 3.8%
- Telacu Manor Commerce · 2.96%
- Logans Place Compton · 5.25%
- Santa Fe Apts Compton · 3.49%
- Willow Lakes Apartment Homes Corcoran · 2.97%
- Las Casitas Apts Corona · 3.6%
- Tower on Nineteenth Costa Mesa · 3.19%
- Marvin Garden Cotati · 2.54%
- Windwood Apartments Cotati · 2.95%
- Arrow Plaza Covina · 2.075%
- Clara Park Village Apartments Cudahy · 3.94%
- Culver City Senior Housing Culver City · 3.69%
- Stevens Creek Village Apts Cupertino · 7.25%
- Cypress Sunrise Village Apartments Cypress · 4%
- Royal Garden Apartments Cypress · 2.5%
- Birchcrest Apartments Downey · 5.33%
- Posada Del Sol Apts El Centro · 4.35%
- Town Center Villas El Centro · 3.15%
- Eskaton Hazel Shirley Manor El Cerrito · 2.99%
- Sterling Ranch Apartments El Dorado Hills · 2.55%
- Cherrylee Gardens El Monte · 2.075%
- Pacific Towers El Monte · 4.24%
- Villa Raintree El Monte · 3.065%
- 716-717 Indiana Court El Segundo · 2.63%
- Renwick Square Elk Grove · 4.14%
- Vintage at Laguna II Elk Grove · 4.116%
- 110 Hillcrest Drive Encinitas · 3.64%
- Su Casa Por Cortez Encinitas · 5.01%
- Escalon Heritage House Escalon · 5.36%
- Summit Rose Apartments Escondido · 2.82%
- Aster Place Apartments Eureka · 4.48%
- Silvercrest Eureka Eureka · 3.11%
- Dover Woods Apartments Fairfield · 3.25%
- Parkway Plaza Fairfield · 3.72%
- Peachwood Apartments Fairfield · 4.25%
- Amberwood Apts Fallbrook · 2.75%
- Casa De Cortez Fallbrook · 3.28%
- Rosewood Apartments Fallbrook · 2.7%
- Duchow Way Apts Folsom · 3.5%
- Forestwood at Folsom Apts. Folsom · 4.705%
- Sherwood at Iron Point Folsom · 2.33%
- Newburg Retirement Center Fortuna · 3.5%
- Our Lady of Guadalupe Fountain Valley · 2.43%
- Pajaro Vista Freedom · 5.17%
- 770 South Habor Fullerton · 2.4%
- Fullerton Pointe Apartments Fullerton · 2.68%
- Palm Gardens Apts Galt · 9.5%
- Orange Tree Apts Garden Grove · 3.49%
- Tudor Grove Apartments Garden Grove · 4.43%
- Meadowlark Manor Gardena · 3.82%
- South Park Manor Gardena · 3.82%
- Town Square at Village Green Gilroy · 2.98%
- Palmer Park Manor Glendale · 5.59%
- Glendora Gardens Glendora · 2.47%
- Aparicio Apartments Goleta · 3.89%
- Berryhill Apartments Grass Valley · 2.23%
- Ocean View Plaza Half Moon Bay · 4%
- Berkshire Crossing Hanford · 4.1%
- Casa Del Sol Hanford · 3.29%
- Heber Woods Heber · 3.91%
- Sycamore Hills By the Bay Hercules · 2.85%
- The Palms Hermosa Beach · 5.2%
- Crossings at Hesperia Hesperia · 3.14%
- Mountain Breeze Villas Highland · 5.85%
- Raintree Apartments Highland · 3.2%
- Hollywood Royale Apartments Hollywood · 2.85%
- Holtville Gardens Holtville · 3.91%
- Huntington Gardesn Apartments Huntington Beach · 3.1%
- Concord Huntington Park Apartments Huntington Park · 5.11%
- Villas Pacifica Apartments Imperial · 2.7%
- Beachwind Court Imperial Beach · 4.04%
- Christiansen Senior Apartments Indio · 2.14%
- Encanto Apartments Indio · 2.54%
- Access Irvine Inc. Aka Mariposa Villa Apartments Irvine · 2.79%
- The Murphy Irvine · 2.4%
- Storke Ranch Family Apts Isla Vista · 6.75%
- Jackson Hills Apartments Jackson · 2.95%
- Meadows Apartments Jackson · 5.75%
- Pebble Brook Village Apartments Kerman · 2.73%
- Creekbridge Apts. King City · 3.75%
- Ocean House on Prospect La Jolla · 5.69%
- 8181 Allison La Mesa · 6.31%
- La Mesa Springs La Mesa · 3.53%
- Breezewood Village La Mirada · 4.3%
- Brookside II Apartments La Palma · 3.38%
- Camden Place La Palma · 7.25%
- La Puente Park Apartments La Puente · 3.65%
- Sunny Garden Apartments La Puente · 2.9%
- Chateau Lafayette Lafayette · 4.82%
- Vista Aliso Laguna Beach · 2.5%
- Lakeview I Apartments Lake Elsinore · 4.495%
- Tahoe Valley Apts Lake Tahoe · 6.2%
- Lakeview Apartments Lakeport · 4.38%
- Maplewood Apartments Lakeside · 3.65%
- Windrose Apartments Lancaster · 4.91%
- Manhattan Village Senior Apts Lanhattan Beach · 6.85%
- South Bay Lawndale · 3.82%
- Alderwood Apartments Lemoore · 3.13%
- Olive Tree Apartments Livingston · 3.2%
- Villa Vasona Apartments Los Gatos · 2.6%
- North Shore Villas Lucerne · 4.09%
- Park Place Lynwood · 2.09%
- Manteca Manor Manteca · 7.125%
- Stonegate Apts Manteca · 4.04%
- Ponderosa Estates Marin City · 6.1%
- Terracina at the Dunes Marina · 5.76%
- Redwood Village Apts Marina Del Rey · 3.4%
- East Linda Gardens Marysville · 3.15%
- Maywood Manor Maywood · 3.82%
- Mecca III Mecca · 3.76%
- Gateway Rising Apartments Menlo Park · 3.77%
- Village Terrace Apartments Merced · 2.68%
- Aspen Family Apartments Milpitas · 6.55%
- Montevista Apartments Milpitas · 4.49%
- Saddleback Ranch Apartments Mission Viejo · 2.43%
- Regency Court Monrovia · 5.95%
- Briarwood Manor Apartments Montclair · 2.33%
- Beverly Towers Apts Montebello · 3.89%
- Montebello Senior Villas Montebello · 5.9%
- Golden Age Village Monterey Park · 5.28%
- Lions Manor Monterey Park · 4.33%
- Monterey Park Seniors Monterey Park · 2.8%
- Telacu Villa Moreno Valley · 2.96%
- Tuscany Hills Apartment Homes Moreno Valley · 2.75%
- Eskaton George Washington Manor II Mount Shasta · 2.99%
- George Washington Manor I Mount Shasta · 7.125%
- Pecan Court Napa · 6.75%
- Schoolhouse Court Napa · 6.75%
- Kimball Highland National City · 5.72%
- Newark Gardens I Newark · 4.99%
- Newport Veterans Housing Newport Beach · 4.41%
- North Hills Village Apartments North Hills · 3%
- Summer Breeze Apartments North Hills · 3.2%
- Ridgdecroft Apts Northridge · 2.65%
- Norwalk Christian Towers Norwalk · 3.3%
- Villas at Hamilton Novato · 2.84%
- Anton Viridian Apartments Oakley · 3.95%
- Oak Creek Family Apartments Oakley · 4.51%
- Oceanside Silvercrest Residenc Oceanside · 4.45%
- Villa Del Mar Oceanside · 2.3%
- Harris Place Apts Ontario · 3.08%
- The Grove Ontario · 3.09%
- Woodmere Apartments Ontario · 2.57%
- Casa Ramom Apartments Orange · 3.6%
- Community Garden Towers Orange · 5.11%
- Orinda Senior Village Orinda · 4.21%
- Hillview Ridge Apartments Oroville · 3.44%
- Las Cortes Oxnard · 3.63%
- Ocean View Senior Apartments Pacifica · 5.25%
- Laurel Canyon Treeace Pacoima · 2.69%
- Pledgerville Senior Citizenz Villa Pacoima · 3.98%
- Palm Springs View Apartments Palm Springs · 3.62%
- Palos Verdes Villas Palm Springs · 4.28%
- Adlai E. Stevenson House Palo Alto · 4.15%
- Arastradero Park Apartments Palo Alto · 2.29%
- North Hills Villas Willis Apt Panorama City · 3.62%
- Towne Square Apartments Panorama City · 3.9%
- Hacienda Del Norte Apts Paso Robles · 4.44%
- Laurel Palms Apartments Perris · 2.84%
- Meadowview I Apartments Perris · 4.496%
- Regency Apartments Perris · 3.62%
- Vintage Caheau II Apts Petaluma · 4.813%
- Vista Woods Pinole · 4.11%
- Stoneman Village Apartments Pittsburg · 3.28%
- Imperial Villas Placentia · 4.77%
- Eskaton Lincoln Manor Placerville · 4.06%
- Hookston Senior Apartments Pleasant Hill · 5.45%
- Kottinger Gardens Phase 2 Pleasanton · 4.78%
- The Promenade Apartments Pleasanton · 4.73%
- Drake Manor Pomona · 2.45%
- Park Grand Apartments Pomona · 3.15%
- Serenity Villas Pomona · 2.16%
- Schmale Family Senior Residence Ramona · 5.35%
- Coloma Woods Rancho Cordova · 5.53%
- Diakonia Hosing I Rancho Cordova · 3.4%
- Monterey Village Apts Rancho Cucamonga · 7.25%
- Mountainside Apts Rancho Cucamonga · 7.25%
- Sycamore Spring Apts Rancho Cucamonga · 7.25%
- The Phoenix Apartments Red Bluff · 4.875%
- Heritage Plaza Redding · 4.56%
- Market Street Apartments Redding · 5.73%
- Ridgestone Villas Redding · 2.5%
- Casa De Los Amigos Redondo Beach · 5.68%
- Heron Court Redwood City · 3.48%
- Redwood Oaks Apartments Redwood City · 4.92%
- Coral Wood Court Apartments Reseda · 3.22%
- Sherman Way Apartments Reseda · 2.23%
- Santa Barbara Luxury Apartments Rialto · 2.89%
- Sierra Pointe Apartments Rialto · 2.77%
- Spring Creek Apartments Rialto · 2.3%
- Meridian at Stanford Ranch Rocklin · 2.75%
- Crossings at Rosamond Rosamond · 4.07%
- Fiddyment Apartments Roseville · 6.21%
- Sutter Terrace Roseville · 4.14%
- Hacienda Gardens Rowland Heights · 3.9%
- La Serena Apartments Rowland Heights · 3.486%
- Chestnut Creek Apartments S San Francisco · 5.8%
- Kiku Crossing Sam Mateo · 3.49%
- Hide Tide Apartments San Clemente · 4.06%
- Cathedral Arms San Deigo · 5.9%
- Mission Garden Apartment San Juan Bautista · 3.48%
- Copper Creek Apartments San Marcos · 5.5%
- Grandon Village Apartments San Marcos · 4.14%
- Lesley Tower San Mateo · 2.4%
- Rumrill Gardens San Pablo · 4.9%
- The Clock Tower Building San Rafael · 3.06%
- El Pedregal San Ysidro · 3.75%
- Rio Vista Apartments San Ysidro · 3.47%
- Vista Lane Court San Ysidro · 5.6%
- Pilgrim Terrace Santa Barbara · 3.22%
- Rancho Franciscan Apartments Santa Barbara · 3.41%
- Villa Santa Fe Apartments Santa Barbara · 3.15%
- Monroe Street Apartments Santa Clara · 5.31%
- Villa Verde Santa Fe Springs · 4.6%
- Arbor Ridge Santa Maria · 5.57%
- Elements Apartments Santa Maria · 5.15%
- Oak Knolls Apartments Santa Maria · 5.7%
- Barnard Park Villas Santa Monica · 5.34%
- Geneva Plaza Santa Monica · 3.68%
- Westminster Towers Santa Monica · 5.8%
- Vela Santee Apartments Santee · 5.07%
- Woodglen Vista Santee · 5%
- Saratoga Court Saratoga · 2.37%
- The Beach House Apartments Sausalito · 4.05%
- Orangewood Court Apartments Sherman Oaks · 3.22%
- Alamo Street Apartments Simi Valley · 5.15%
- Sorrento Villas Senior Apartments Simi Valley · 2.17%
- Faircrest Apartments Stanton · 2.3%
- Marina Village Apartments Suisun City · 4.24%
- The Village Apartments Suisun City · 3.59%
- Strathern Court Apts Sun Valley · 3.4%
- Eskaton Lassen Manor I Susanville · 4.06%
- Eskaton Lassen Manor II Susanville · 4.06%
- Susanville Gardens Susanville · 5.34%
- Astoria Gardens Apartments Sylmar · 2.25%
- Budlong Manor Apartments Sylmar · 5.5%
- Foothill Terrace Sylmar · 3.2%
- The Resudences at Village Walk Tarzana · 2.18%
- Village at Tehachapi Tehachapi · 2.6%
- 17450 Van Ness Torrance · 4.05%
- 3435 Artesia Blvd Torrance · 2.66%
- Bana at Tujunga Tujunga · 2.49%
- Cambridge Court Tulare · 3.745%
- Tule Vista Apts Tulare · 4.42%
- Brentwood Apts Turlock · 3.99%
- Denair Manor Apartments Turlock · 2.15%
- Coventry Court Senior Luxury Apartments Tustin · 4%
- Kenyon Pointe Apts Tustin · 3.05%
- Jack Simpson School View Apts Ukiah · 4.09%
- Mission Gateway Apartments Union City · 5.25%
- Coy D.estes Upland · 8.5%
- Twin Oaks Vacaville · 2.6%
- Vacaville Gables Vacaville · 5.72%
- Carolina Heights Vallejo · 2.95%
- Marina Tower Vallejo · 5.66%
- Riverside Street Apartments Ventura · 4.6%
- Ventura Silvercrest Residence Ventura · 4.525%
- Town Meadows Visalia · 3.95%
- Vista Hidden Valley Apts Vista · 3.89%
- Enclave Apartments Walnut Creek · 5.72%
- Clifford Manor Watsonville · 3.3%
- Northgate Apartments Watsonville · 3.95%
- Wall Street Inn Watsonville · 4.52%
- Lark Ellen West Coina · 6.75%
- Crown Point Apartments West Covina · 2.19%
- Westmorland Family Westmorland · 3.85%
- Leffing Manor Whittier · 2.4%
- Whittier Senior Housing Whittier · 3.75%
- William Penn Manor Whittier · 3.3%
- John F Kennedy Manor Willows · 7.125%
- Banning Villa Apartments Wilmington · 2.73%
- Winter Creek Village Windsor · 2.5%
- 7323 Winnetka Ave. Winnetka · 3.68%
- Crosswoods Apartments Woodland · 3.39%
- Summertree Apartments Woodland · 5.85%
- Arbor Villas Apartments Yorba Linda · 4.13%
- Vintage at Stonehaven Apartments Yorba Linda · 4.9%
- Deer Creek Apartments Yreka · 5.125%
- The Bungalows Apartments Yucaipa · 2.42%
- Sun West Villas Yucca Valley · 5.115%
Source: HUD, Insured Multifamily Mortgages, active file, current as of September 30, 2026. Apartment loans only; nursing homes, assisted living and hospitals in the same file are not counted.
Own or buying in this state?
Send the property to the Janover Capital desk for a read on assumption, 223(a)(7) or a new HUD loan.