3.45% VA
Certified
$495,000
$2,196/mo
2340 WESTWOOD --
Mesa, AZ
3 bd2 ba1,521 sqft
Gilbert, Arizona
Keep the rate.
Buy the home in Gilbert.
76 assumable homes for sale in Gilbert, with locked rates from 2.68%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
3.96%
vs 7.2% market
$914/mo saved
Median locked rate
3.96%
Across 76 assumable listings
Typical monthly savings
$914
On a $549,700 home vs 7.2%
Certified listings
1
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Gilbert
Homes with a rate worth keeping
3.88% VA
Certified
$469,000
$2,201/mo
1020 SINOVA --
Mesa, AZ
3 bd3 ba1,542 sqft
2.50% VA
Certified
$700,000
$2,063/mo
3242 RICARDO Circle
Mesa, AZ
5 bd4 ba2,887 sqft
2.75% VA
Certified
$285,000
$835/mo
520 HOBSON Plaza
Mesa, AZ
3 bd2 ba2,103 sqft
3.06% FHA
Certified
$415,000
$1,139/mo
6825 OSBORN Road
Scottsdale, AZ
2 bd3 ba1,424 sqft
5.63% VA
Certified
$724,499
$3,033/mo
2355 LA COSTA Place
Chandler, AZ
6 bd4 ba3,367 sqft
Inventory snapshot
What’s assumable in Gilbert right now
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 76
- Certified / verified
- 1
- Lowest rate
- 2.68%
- Median rate
- 3.96%
- Median list price
- $549,700
- Median cash to assume
- $255,931
Listings by locked rate
- Under 4%39 homes
- 4% – 5%8 homes
- 5% – 6%3 homes
- 6% and up25 homes
Listings by loan type
- FHA38 homesmedian 4.43%
- VA38 homesmedian 3.65%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Gilbert ZIP code
- 85295
20 assumable homes · median 4.17%
median $549,950
- 85296
16 assumable homes · median 3.63%
median $520,000
- 85234
15 assumable homes · median 4.95%
median $547,500
- 85297
11 assumable homes · median 3.69%
median $699,500
- 85298
10 assumable homes · median 4.72%
median $577,450
- 85233
4 assumable homes · median 5.38%
median $488,000
Nearby markets
More assumable homes in Arizona
- Phoenix504
- Mesa248
- Buckeye229
- Surprise198
- San Tan Valley185
- Maricopa170
- Casa Grande115
- Goodyear115
- Glendale113
- Peoria105
- Sierra Vista79
- Chandler65
- Florence63
- Avondale57
- Queen Creek55
- Apache Junction54
- Litchfield Park54
- Scottsdale53
- Laveen52
- Prescott50
- Prescott Valley49
- Sun City49
- Tolleson41
- Aguila
Run your numbers
The cost of waiting in Gilbert.
A 7.2% new loan against an assumable one at 3.96%, same balance, 30 years.
You keep every month
$896/mo
Over a year$10,754
Monthly payment, side by side
7.2% vs 3.96%
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 Gilbert
Numbers below come from current Gilbert inventory and update as listings change.
- How many assumable homes are for sale in Gilbert?
- As of September 2026, UMe tracks 76 active assumable listings in Gilbert. 1 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 Gilbert?
- Current Gilbert inventory breaks down as FHA (38, median 4.43%) and VA (38, median 3.65%). 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 Gilbert right now?
- The lowest rate on an active Gilbert assumable listing is 2.68%, and the median across all 76 listings is 3.96%. 39 listings are under 4% and 47 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 Gilbert?
- Across current Gilbert listings, the median principal-and-interest payment on the assumable loan is $1,523 per month versus $2,437 for the same balance at today's rates, a difference of about $914 every month, or $10,968 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 Gilbert?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Gilbert that gap is currently a median of $255,931 on a median list price of $549,700. 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 Gilbert ZIP codes have the most assumable homes?
- The Gilbert ZIP codes with the most active assumable listings are 85295 (20), 85296 (16), 85234 (15), 85297 (11), and 85298 (10). Use the map to draw your own boundary or filter by rate, payment, and down payment inside any of them.
- How long does a mortgage assumption take in Gilbert?
- 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 Gilbert.
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.
