VA
Active
28$575,000$43,251 down
- Rate
- 5.625%
7.28%today- Payment
- $3,220/mo
$3,828today
- 2beds
- 2baths
- 1,420sqft
Cave Creek, Arizona
Assumable homes for salein Cave Creek, Arizona.
11 homes in Cave Creek carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.77%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Cave Creek assumable market
by the numbers.
11active assumable listings
2.77%lowest locked rate
$900kmedian list price
$1,212saved per month vs. 7.2%
About the market
Assumable mortgagesin Cave Creek, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Cave Creek. Updated October 2026.
How assumptions work for buyersCave Creek, Arizona has 11 homes for sale with an assumable mortgage as of October 2026: 9 VA loans and 2 FHA 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 Cave Creek assumable listings start at 2.77% with a median of 4.38%; 5 listings are under 4% and 6 are under 5%.
The median assumable home in Cave Creek lists for $900,000, with a median of $269,038 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 $2,707 a month versus $3,919 for the same balance at today's rate, roughly $1,212 kept every month and $14,542 a year. The most active Cave Creek ZIP codes are 85331 (11).
1 listing in Cave Creek is 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 Cave Creek assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Cave Creek
View all 11 on the map Homes on the marketin Cave Creek.
VA
Active
32$795,000$124,534 down
- Rate
- 2.88%
7.28%today- Payment
- $3,110/mo
$5,125today
- 4beds
- 2baths
- 2,434sqft
229 JORDON Lane, Phoenix
VA
Active
14$749,000$219,857 down
- Rate
- 2.96%
7.28%today- Payment
- $2,504/mo
$4,084today
- 3beds
- 3baths
- 1,957sqft
23262 74TH Place, Scottsdale
VA
Active
28$475,000$60,666 down
- Rate
- 3.55%
7.28%today- Payment
- $2,056/mo
$3,113today
- 3beds
- 2baths
- 1,533sqft
19048 6TH Drive, Phoenix
VA
Active
81$1,174,900$294,490 down
- Rate
- 3.12%
7.28%today- Payment
- $4,175/mo
$6,673today
- 4beds
- 4baths
- 3,647sqft
39410 7TH Street, Phoenix
VA
Active
53$925,000$325,879 down
- Rate
- 2.75%
7.28%today- Payment
- $2,770/mo
$4,643today
- 4beds
- 4baths
- 2,435sqft
23405 84TH Street, Scottsdale
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 Cave Creek.
Live counts from the MLS feeds we index for Arizona. Updated October 2026.
- Active listings
- 11
- UMe Certified / verified
- 1
- Lowest rate
- 2.77%
- Median rate
- 4.38%
- Median list price
- $900,000
- Median cash to assume
- $269,038
Cave Creek listings by locked rate
- Under 4%5 homes
- 4% – 5%1 home
- 5% – 6%2 homes
- 6% and up3 homes
Cave Creek listings by loan type
- VA9 homesmedian 3.43%
- FHA2 homesmedian 5.46%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Cave Creek ZIP code.
Each ZIP opens the Cave Creek map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Cave Creek numbers
What an assumable ratedoes to a Cave Creek payment.
The sliders start at the median Cave Creek assumable listing: $900,000 list price and a 4.38% 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)$270,000
30% 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 Cave Creek
$3,393/mo
New loan at 7.20%$4,276
Assumed at 4.40%
$3,393
Every month$883
Over five years$52,995
Interest you never pay$480,84026-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 Cave Creek listing on UMe shows the actual balance, rate, and payment.
How it works in Cave Creek
How to assumea mortgage in Cave Creek.
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 a Cave Creek home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Cave Creek 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 $269,038 in Cave Creek 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 a Cave Creek payment written in a different decade.
Cave Creek questions
Assuming a mortgagein Cave Creek.
The numbers below come from current Cave Creek inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Cave Creek?
As of October 2026, UMe tracks 11 active assumable listings in Cave Creek. 1 of them is 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 Cave Creek?
Current Cave Creek inventory breaks down as VA (9, median 3.43%) and FHA (2, median 5.46%). 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 Cave Creek?
The lowest rate on an active Cave Creek assumable listing is 2.77%, and the median across all 11 listings is 4.38%. 5 listings are under 4% and 6 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 Cave Creek?
Across current Cave Creek listings, the median principal-and-interest payment on the assumable loan is $2,707 per month versus $3,919 for the same balance at today's rates, a difference of about $1,212 every month, or $14,542 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 Cave Creek?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Cave Creek that gap is currently a median of $269,038 on a median list price of $900,000. 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 Cave Creek ZIP codes have the most assumable homes?
The Cave Creek ZIP codes with the most active assumable listings are 85331 (11). 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 Cave Creek?
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.
Nearby markets
All of Arizona More assumable homesin Arizona.
Ready when you are
Stop overpaying for Cave Creek.The rate is already on the house.
Every listing on the Cave Creek map has a rate you can take over. Start with the ones in Cave Creek, get pre-qualified in minutes, and let UMe carry the assumption to closing.
