VA
Active
12$409,999$89,296 down
- Rate
- 2.50%
7.28%today- Payment
- $1,442/mo
$2,497today
- 3beds
- 2baths
- 1,931sqft
Arizona · Statewide
Assumable homes for salein Arizona.
2,913 homes in Arizona carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.01%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Arizona assumable market
by the numbers.
2,913active assumable listings
2.01%lowest locked rate
$409kmedian list price
$551saved per month vs. 7.2%
Across Arizona
Assumable homesby Arizona city.
Ranked by live assumable inventory. Every city is its own market page with local listings, rates, ZIP codes, and cash-to-assume figures.
Search all of Arizona on the map- 01Phoenix404404 assumable homes · median 4.42%
- 02Mesa228228 assumable homes · median 5.08%
- 03Buckeye176176 assumable homes · median 5.66%
- 04Surprise169169 assumable homes · median 6.10%
- 05Maricopa159159 assumable homes · median 4.59%
- 06San Tan Valley143143 assumable homes · median 6.22%
- 07Casa Grande105105 assumable homes · median 6.13%
- 08Goodyear101101 assumable homes · median 5.22%
- 09Glendale9999 assumable homes · median 5.22%
- 10Peoria8585 assumable homes · median 4.72%
- 11Gilbert7676 assumable homes · median 3.87%
- 12Chandler6363 assumable homes · median 4.18%
- 13Sierra Vista5858 assumable homes · median 4.07%
- 14Florence5555 assumable homes · median 6.11%
- 15Litchfield Park4949 assumable homes · median 6.35%
- 16Queen Creek4848 assumable homes · median 3.81%
- 17Sun City4747 assumable homes · median 4.16%
- 18Avondale4444 assumable homes · median 6.33%
- 19Laveen4242 assumable homes · median 6.50%
- 20Scottsdale4141 assumable homes · median 3.78%
- 21Apache Junction3838 assumable homes · median 5.03%
- 22Prescott Valley3838 assumable homes · median 4.11%
- 23Prescott3535 assumable homes · median 4.65%
- 24Tolleson3535 assumable homes · median 6.26%
- 25Tonopah2929 assumable homes · median 5.10%
- 26Waddell2525 assumable homes · median 5.23%
- 27Arizona City2424 assumable homes · median 4.98%
- 28El Mirage2424 assumable homes · median 4.88%
- 29Coolidge2222 assumable homes · median 5.22%
- 30Flagstaff2222 assumable homes · median 4.08%
- 31Hereford2020 assumable homes · median 3.92%
- 32Payson2020 assumable homes · median 4.71%
- 33Tempe2020 assumable homes · median 5.49%
- 34Wittmann2020 assumable homes · median 4.70%
- 35Chino Valley1616 assumable homes · median 4.38%
- 36Gold Canyon1616 assumable homes · median 5.14%
- 37Williams1616 assumable homes · median 6.50%
- 38Sedona1414 assumable homes · median 5.83%
- 39Sun City West1414 assumable homes · median 6.29%
- 40Wickenburg1414 assumable homes · median 6.29%
- 41Anthem1313 assumable homes · median 6.50%
- 42Dewey-Humboldt1313 assumable homes · median 6.47%
- 43Paulden1313 assumable homes · median 4.29%
- 44Show Low1212 assumable homes · median 6.50%
- 45Cave Creek1111 assumable homes · median 4.38%
- 46Camp Verde1010 assumable homes · median 3.64%
- 47Mayer99 assumable homes · median 6.26%
- 48Eloy88 assumable homes · median 4.79%
- 49Fountain Hills88 assumable homes · median 4.42%
- 50Tucson88 assumable homes · median 5.17%
- 51Douglas77 assumable homes · median 6.50%
- 52New River77 assumable homes · median 3.72%
- 53Overgaard77 assumable homes · median 4.98%
- 54Rimrock77 assumable homes · median 6.50%
- 55Cottonwood66 assumable homes · median 3.79%
- 56Huachuca City66 assumable homes · median 5.96%
- 57Benson55 assumable homes · median 3.92%
- 58Congress55 assumable homes · median 3.62%
- 59Globe55 assumable homes · median 6.63%
- 60Pine55 assumable homes · median 6.56%
- 61Sun Lakes55 assumable homes · median 6.39%
- 62Winslow55 assumable homes · median 3.78%
- 63Youngtown55 assumable homes · median 3.10%
- 64Dewey44 assumable homes · median 6.71%
- 65Lakeside44 assumable homes · median 6.00%
- 66Marana44 assumable homes · median 4.50%
- 67Arlington33 assumable homes · median 3.64%
- 68Cornville33 assumable homes · median 2.89%
- 69McNeal33 assumable homes · median 6.19%
- 70Munds Park33 assumable homes · median 3.70%
- 71Snowflake33 assumable homes · median 6.20%
- 72Bellemont22 assumable homes · median 6.54%
- 73Clarkdale22 assumable homes · median 3.50%
- 74Kingman22 assumable homes · median 3.93%
- 75Miami22 assumable homes · median 5.88%
- 76Morristown22 assumable homes · median 3.65%
- 77Pinetop22 assumable homes · median 6.63%
- 78Quartzsite22 assumable homes · median 5.41%
- 79Queen Valley22 assumable homes · median 4.96%
- 80Rio Verde22 assumable homes · median 5.26%
- 81Strawberry22 assumable homes · median 3.25%
- 82Taylor22 assumable homes · median 5.12%
- 83Thatcher22 assumable homes · median 5.05%
- 84Tombstone22 assumable homes · median 5.29%
- 85Vail22 assumable homes · median 4.31%
- 86Yuma22 assumable homes · median 6.69%
- 87Cibola11 assumable home · median 6.12%
- 88Eagar11 assumable home · median 6.24%
- 89Elgin11 assumable home · median 6.72%
- 90Fort Mohave11 assumable home · median 2.70%
- 91Fredonia11 assumable home · median 7.06%
- 92Happy Jack11 assumable home · median 2.81%
- 93Heber11 assumable home · median 3.02%
- 94Mormon Lake11 assumable home · median 3.57%
- 95Page11 assumable home · median 7.00%
- 96Pinedale11 assumable home · median 2.25%
- 97Red Rock11 assumable home · median 3.82%
- 98Rio Rico11 assumable home · median 4.37%
- 99Roosevelt11 assumable home · median 2.91%
- 100Sahuarita11 assumable home · median 5.50%
- 101Salome11 assumable home · median 6.11%
- 102Seligman11 assumable home · median 6.69%
- 103St. Johns11 assumable home · median 3.49%
- 104Tonto Basin11 assumable home · median 6.50%
- 105Valley Farms11 assumable home · median 5.30%
- 106Vernon11 assumable home · median 3.80%
- 107Willcox11 assumable home · median 2.24%
Also covered in Arizona, no verified assumable listings today:
- Aguila
- Ajo
- Alpine
- Amado
- Arivaca
- Ash Fork
- Bagdad
- Bisbee
- Black Canyon City
- Blue
- Bouse
- Bowie
- Bullhead City
- Carefree
- Central
- Chambers
- Chloride
- Clay Springs
- Claypool
- Clifton
- Cochise
- Colorado City
- Concho
- Cordes Lakes
- Corona de Tucson
- Crown King
- Dateland
- Dolan Springs
- Dragoon
- Dudleyville
- Duncan
- Eden
- Ehrenberg
- Elfrida
- Forest Lakes
- Fort McDowell
- Fort Thomas
- Gila Bend
- Golden Valley
- Green Valley
- Greer
- Groom Creek
- Guadalupe
- Hackberry
- Hayden
- Holbrook
- Humboldt
- Jerome
- Joseph City
- Kearny
- Kirkland
- Lake Havasu City
- Littlefield
- Mammoth
- Meadview
- Mobile
- Mohave Valley
- Mount Lemmon
- Naco
- Nogales
- Nutrioso
- Oatman
- Oracle
- Oro Valley
- Palo Verde
- Paradise Valley
- Parker
- Parks
- Patagonia
- Peach Springs
- Pearce
- Peeples Valley
- Picacho
- Pima
- Pirtleville
- Portal
- Roll
- Saddlebrooke
- Safford
- San Luis
- San Manuel
- San Simon
- Sanders
- Skull Valley
- Somerton
- Sonoita
- Spring Valley
- Springerville
- St. David
- Stanfield
- Star Valley
- Sun Valley
- Sunsites
- Superior
- Tacna
- Topock
- Tubac
- Tumacacori
- Wellton
- Wenden
- White Hills
- Wikieup
- Winkelman
- Woodruff
- Yarnell
- Young
- Yucca
About the market
Assumable mortgagesin Arizona, explained.
Every number on this page comes from the live MLS feeds UMe indexes across Arizona. Updated October 2026.
How assumptions work for buyersArizona has 2,913 homes for sale with an assumable mortgage as of October 2026: 1,739 FHA loans and 1,174 VA loans that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active Arizona assumable listings start at 2.01% with a median of 5.22%; 1,167 listings are under 4% and 1,389 are under 5%.
The median assumable home in Arizona lists for $409,000, with a median of $119,432 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $1,753 a month versus $2,304 for the same balance at today's rate, roughly $551 kept every month and $6,614 a year. The deepest Arizona inventory is in Phoenix (404), Mesa (228), Buckeye (176), Surprise (169), and Maricopa (159).
26 listings in Arizona are UMe Certified, meaning the balance, rate, and assumability have been confirmed with the listing agent. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most Arizona assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified across Arizona
View all 2,913 on the map Homes on the marketacross Arizona.
FHA
Active
43$305,000$86,971 down
- Rate
- 2.88%
7.28%today- Payment
- $1,039/mo
$1,713today
- 3beds
- 2baths
- 1,631sqft
1750 RENEGADE Trail, San Tan Valley
VA
Active
29$400,000$89,691 down
- Rate
- 2.99%
7.28%today- Payment
- $1,444/mo
$2,347today
- 3beds
- 2baths
- 1,352sqft
4340 AMBER RIDGE Way, Phoenix
VA
Active
21$674,999$156,131 down
- Rate
- 3.10%
7.28%today- Payment
- $2,477/mo
$3,968today
- 4beds
- 4baths
- 2,924sqft
40641 BARRED Place, San Tan Valley
VA
Active
33$549,000$117,118 down
- Rate
- 3.125%
7.28%today- Payment
- $2,095/mo
$3,346today
- 3beds
- 2baths
- 1,868sqft
22768 VIA DEL SOL --, Queen Creek
FHA
Active
32$500,000$32,051 down
- Rate
- 3.99%
7.28%today- Payment
- $2,278/mo
$3,269today
- 5beds
- 3baths
- 2,681sqft
18377 VILLA HERMOSA Lane, Surprise
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin Arizona.
Live counts from the MLS feeds we index for Arizona. Updated October 2026.
- Active listings
- 2,913
- UMe Certified / verified
- 26
- Lowest rate
- 2.01%
- Median rate
- 5.22%
- Median list price
- $409,000
- Median cash to assume
- $119,432
Arizona listings by locked rate
- Under 4%1,167 homes
- 4% – 5%222 homes
- 5% – 6%203 homes
- 6% and up1,291 homes
Arizona listings by loan type
- FHA1,739 homesmedian 6.06%
- VA1,174 homesmedian 3.93%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
Run the Arizona numbers
What an assumable ratedoes to an Arizona payment.
The sliders start at the median Arizona assumable listing: $409,000 list price and a 5.22% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$120,000
29% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Arizona
$1,697/mo
New loan at 7.20%$1,968
Assumed at 5.20%
$1,697
Every month$271
Over five years$16,289
Interest you never pay$179,19026-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Arizona listing on UMe shows the actual balance, rate, and payment.
How it works in Arizona
How to assumea mortgage in Arizona.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find an Arizona home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Arizona map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $119,432 in Arizona today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and an Arizona payment written in a different decade.
Arizona questions
Assuming a mortgagein Arizona.
The numbers below come from current Arizona inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Arizona?
As of October 2026, UMe tracks 2,913 active assumable listings in Arizona. 26 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 (1,739, median 6.06%) and VA (1,174, median 3.93%). 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?
The lowest rate on an active Arizona assumable listing is 2.01%, and the median across all 2,913 listings is 5.22%. 1,167 listings are under 4% and 1,389 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 $1,753 per month versus $2,304 for the same balance at today's rates, a difference of about $551 every month, or $6,614 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 $119,432 on a median list price of $409,000. 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?
The deepest assumable inventory in Arizona is in Phoenix (404), Mesa (228), Buckeye (176), Surprise (169), and Maricopa (159). 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.The rate is already on the house.
Every listing on the Arizona map has a rate you can take over. Start with the cities holding the deepest inventory, get pre-qualified in minutes, and let UMe carry the assumption to closing.
