2.88% VA
Certified
$750,000
$1,891/mo
3760 ROBERTS Road
San Tan Valley, AZ
4 bd3 ba2,543 sqft
Arizona · Statewide
Keep the rate.
Buy the home in Arizona.
3,445 assumable homes for sale in Arizona, with locked rates from 2.15%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.22%
vs 7.2% market
$560/mo saved
Median locked rate
5.22%
Across 3445 assumable listings
Typical monthly savings
$560
On a $400,000 home vs 7.2%
Certified listings
33
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Arizona
Homes with a rate worth keeping
2.90% VA
Certified
$400,000
$1,752/mo
21228 260TH Lane
Buckeye, AZ
3 bd2 ba1,783 sqft
2.75% VA
Certified
$499,000
$1,929/mo
11780 54TH Lane
Laveen, AZ
4 bd2 ba1,754 sqft
2.80% VA
Certified
$379,900
$1,492/mo
17119 ELKO Drive
Surprise, AZ
3 bd2 ba1,398 sqft
3.25% VA
Certified
$515,000
$2,209/mo
1028 240TH Drive
Buckeye, AZ
5 bd3 ba3,140 sqft
3.25% VA
Certified
$515,000
$2,119/mo
2521 RED FOX Road
Phoenix, AZ
4 bd3 ba2,206 sqft
Inventory snapshot
What’s assumable in Arizona right now
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 3,445
- Certified / verified
- 33
- Lowest rate
- 2.15%
- Median rate
- 5.22%
- Median list price
- $400,000
- Median cash to assume
- $128,385
Listings by locked rate
- Under 4%1,374 homes
- 4% – 5%259 homes
- 5% – 6%239 homes
- 6% and up1,483 homes
Listings by loan type
- FHA1,976 homesmedian 6.11%
- VA1,469 homesmedian 3.81%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Arizona ZIP code
- 85326
141 assumable homes · median 6.11%
median $365,000
- 85138
131 assumable homes · median 6.14%
median $344,900
- 85122
98 assumable homes · median 6.26%
median $349,450
- 85387
95 assumable homes · median 6.46%
median $415,000
- 85338
90 assumable homes · median 5.22%
median $439,000
- 85396
88 assumable homes · median 4.58%
median $410,000
- 85143
85 assumable homes · median 5.52%
median $383,900
- 85140
66 assumable homes · median 6.37%
median $410,000
Across Arizona
Assumable homes by Arizona city
Run your numbers
The cost of waiting in Arizona.
A 7.2% new loan against an assumable one at 5.22%, same balance, 30 years.
You keep every month
$411/mo
Over a year$4,932
Monthly payment, side by side
7.2% vs 5.22%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Arizona
Numbers below come from current Arizona inventory and update as listings change.
- How many assumable homes are for sale in Arizona?
- As of September 2026, UMe tracks 3,445 active assumable listings in Arizona. 33 of them are UMe Certified, meaning the loan balance, rate, and assumability have been confirmed with the listing agent. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Arizona?
- Current Arizona inventory breaks down as FHA (1,976, median 6.11%) and VA (1,469, median 3.81%). FHA, VA, and USDA mortgages are assumable by law, which is why they make up nearly all assumable listings. Conventional loans usually carry a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan, though the seller's entitlement stays tied up unless you substitute your own.
- What is the lowest assumable mortgage rate in Arizona right now?
- The lowest rate on an active Arizona assumable listing is 2.15%, and the median across all 3,445 listings is 5.22%. 1,374 listings are under 4% and 1,633 are under 5%, compared with roughly 7.2% for a new 30-year loan today.
- How much can I save with a mortgage assumption in Arizona?
- Across current Arizona listings, the median principal-and-interest payment on the assumable loan is $1,744 per month versus $2,304 for the same balance at today's rates, a difference of about $560 every month, or $6,725 a year. The savings compound because you also keep the seller's remaining term instead of restarting a 30-year clock.
- How much money do I need to assume a home in Arizona?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Arizona that gap is currently a median of $128,385 on a median list price of $400,000. Buyers cover it with cash, a second mortgage, or seller financing; UMe can connect you with lenders who write gap loans behind an assumption.
- Which Arizona cities have the most assumable homes?
- Right now the deepest assumable inventory in Arizona is in Phoenix (504), Mesa (248), Buckeye (229), Surprise (198), and San Tan Valley (185). Each city has its own page with live counts, rates, and neighborhoods, and the Arizona map lets you search the whole state at once.
- How long does a mortgage assumption take in Arizona?
- Most FHA and VA assumptions close in 45 to 90 days. The loan servicer, not a new lender, underwrites you, and servicer turnaround is the main variable. UMe tracks the file with the servicer and the listing agent so nothing stalls, and every listing shows whether the assumption has already been confirmed with the seller's side.
Ready when you are
Stop overpaying for Arizona.
Every listing on the map has a rate you can take over. Start with the ones in Arizona, or list your own low-rate loan and let buyers come to you.
