I'm wondering if you are hoping to buy something now and let someone else assume it later?
Or perhaps you are hoping to avoid a Down Payment by assuming a loan?
It's difficult to answer without more information, but my lender friend mentioned that many loans are assumable in the first 5 years.
It's free and easy to speak to a lender about your specific situation so that they can give you the best advice - I recommend bending their ear.
And of course, if you need assistance in finding a home - I would be happy to help you in that arena. North County is a great place to live.
Realtor, KW Carlsbad