3.45% VA
Certified
$495,000
$2,196/mo
2340 WESTWOOD --
Mesa, AZ
3 bd2 ba1,521 sqft
Scottsdale, Arizona
Keep the rate.
Buy the home in Scottsdale.
53 assumable homes for sale in Scottsdale, with locked rates from 2.27%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
3.62%
vs 7.2% market
$942/mo saved
Median locked rate
3.62%
Across 53 assumable listings
Typical monthly savings
$942
On a $775,000 home vs 7.2%
Certified listings
1
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in Scottsdale
Homes with a rate worth keeping
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
2.96% FHA
$199,900
$984/mo
600 DOBSON Road
Mesa, AZ
3 bd1 ba988 sqft
3.07% VA
$159,900
$732/mo
3033 DEVONSHIRE Avenue
Phoenix, AZ
1 bd1 ba576 sqft
2.90% FHA
$269,900
$1,103/mo
2301 LYNNE Lane
Phoenix, AZ
3 bd1 ba900 sqft
Inventory snapshot
What’s assumable in Scottsdale right now
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 53
- Certified / verified
- 1
- Lowest rate
- 2.27%
- Median rate
- 3.62%
- Median list price
- $775,000
- Median cash to assume
- $324,561
Listings by locked rate
- Under 4%30 homes
- 4% – 5%1 home
- 5% – 6%3 homes
- 6% and up19 homes
Listings by loan type
- VA38 homesmedian 3.51%
- FHA15 homesmedian 6.26%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Scottsdale ZIP code
- 85254
12 assumable homes · median 3.66%
median $1,100,000
- 85257
9 assumable homes · median 6.08%
median $699,900
- 85255
6 assumable homes · median 2.93%
median $797,000
- 85251
5 assumable homes · median 3.06%
median $599,000
- 85258
5 assumable homes · median 3.21%
median $615,000
- 85260
4 assumable homes · median 6.17%
median $430,000
- 85262
4 assumable homes · median 6.04%
median $1,149,500
- 85266
4 assumable homes · median 3.02%
median $1,612,000
Nearby markets
More assumable homes in Arizona
- Phoenix504
- Mesa248
- Buckeye229
- Surprise198
- San Tan Valley185
- Maricopa170
- Casa Grande115
- Goodyear115
- Glendale113
- Peoria105
- Sierra Vista79
- Gilbert76
- Chandler65
- Florence63
- Avondale57
- Queen Creek55
- Apache Junction54
- Litchfield Park54
- Laveen52
- Prescott50
- Prescott Valley49
- Sun City49
- Tolleson41
- Aguila
Run your numbers
The cost of waiting in Scottsdale.
A 7.2% new loan against an assumable one at 3.62%, same balance, 30 years.
You keep every month
$1,383/mo
Over a year$16,593
Monthly payment, side by side
7.2% vs 3.62%
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 Scottsdale
Numbers below come from current Scottsdale inventory and update as listings change.
- How many assumable homes are for sale in Scottsdale?
- As of September 2026, UMe tracks 53 active assumable listings in Scottsdale. 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 Scottsdale?
- Current Scottsdale inventory breaks down as VA (38, median 3.51%) and FHA (15, median 6.26%). 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 Scottsdale right now?
- The lowest rate on an active Scottsdale assumable listing is 2.27%, and the median across all 53 listings is 3.62%. 30 listings are under 4% and 31 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 Scottsdale?
- Across current Scottsdale listings, the median principal-and-interest payment on the assumable loan is $2,300 per month versus $3,242 for the same balance at today's rates, a difference of about $942 every month, or $11,306 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 Scottsdale?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Scottsdale that gap is currently a median of $324,561 on a median list price of $775,000. 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 Scottsdale ZIP codes have the most assumable homes?
- The Scottsdale ZIP codes with the most active assumable listings are 85254 (12), 85257 (9), 85255 (6), 85251 (5), and 85258 (5). 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 Scottsdale?
- 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 Scottsdale.
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.
