FHA
Active
76$250,000$187,947 down
- Rate
- 4.37%
7.28%today- Payment
- $430/mo
$590today
- 3beds
- 2baths
- 1,410sqft
Rio Rico, Arizona
Assumable homes for salein Rio Rico, Arizona.
1 home in Rio Rico carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 4.37%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Rio Rico assumable market
by the numbers.
1active assumable listing
4.37%lowest locked rate
$250kmedian list price
$174saved per month vs. 7.2%
About the market
Assumable mortgagesin Rio Rico, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Rio Rico. Updated October 2026.
How assumptions work for buyersRio Rico, Arizona has 1 home for sale with an assumable mortgage as of October 2026: 1 FHA loan 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 Rio Rico assumable listings start at 4.37% with a median of 4.37%; 0 listings are under 4% and 1 is under 5%.
The median assumable home in Rio Rico lists for $250,000, with a median of $187,947 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 $430 a month versus $604 for the same balance at today's rate, roughly $174 kept every month and $2,085 a year. The most active Rio Rico ZIP codes are 85648 (1).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. 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 Rio Rico assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Rio Rico
View all 1 on the map Homes on the marketin Rio Rico.
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 Rio Rico.
Live counts from the MLS feeds we index for Arizona. Updated October 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 4.37%
- Median rate
- 4.37%
- Median list price
- $250,000
- Median cash to assume
- $187,947
Rio Rico listings by locked rate
- Under 4%0 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up0 homes
Rio Rico listings by loan type
- FHA1 homemedian 4.37%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Rio Rico ZIP code.
Each ZIP opens the Rio Rico map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Rio Rico numbers
What an assumable ratedoes to a Rio Rico payment.
The sliders start at the median Rio Rico assumable listing: $250,000 list price and a 4.37% 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)$190,000
76% 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 Rio Rico
$321/mo
New loan at 7.20%$407
Assumed at 4.35%
$321
Every month$86
Over five years$5,150
Interest you never pay$46,32726-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 Rio Rico listing on UMe shows the actual balance, rate, and payment.
How it works in Rio Rico
How to assumea mortgage in Rio Rico.
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 Rio Rico home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Rio Rico 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 $187,947 in Rio Rico 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 Rio Rico payment written in a different decade.
Rio Rico questions
Assuming a mortgagein Rio Rico.
The numbers below come from current Rio Rico inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Rio Rico?
As of October 2026, UMe tracks 1 active assumable listing in Rio Rico. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Rio Rico?
Current Rio Rico inventory breaks down as FHA (1, median 4.37%). 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 Rio Rico?
The lowest rate on an active Rio Rico assumable listing is 4.37%, and the median across all 1 listing is 4.37%. 0 listings are under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Rio Rico?
Across current Rio Rico listings, the median principal-and-interest payment on the assumable loan is $430 per month versus $604 for the same balance at today's rates, a difference of about $174 every month, or $2,085 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 Rio Rico?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Rio Rico that gap is currently a median of $187,947 on a median list price of $250,000. 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 Rio Rico ZIP codes have the most assumable homes?
The Rio Rico ZIP codes with the most active assumable listings are 85648 (1). 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 Rio Rico?
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 Rio Rico.The rate is already on the house.
Every listing on the Rio Rico map has a rate you can take over. Start with the ones in Rio Rico, get pre-qualified in minutes, and let UMe carry the assumption to closing.
