VA
Active
11$409,999$89,296 down
- Rate
- 2.50%
7.03%today- Payment
- $1,442/mo
$2,436today
- 3beds
- 2baths
- 1,931sqft
Arizona · Statewide
Assumable homes for salein Arizona.
2,901 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.
2,901active assumable listings
2.01%lowest locked rate
$410kmedian list price
$557saved 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- 01Phoenix391391 assumable homes · median 4.50%
- 02Mesa216216 assumable homes · median 5.11%
- 03Buckeye182182 assumable homes · median 6.02%
- 04Surprise171171 assumable homes · median 5.88%
- 05Maricopa156156 assumable homes · median 5.22%
- 06San Tan Valley146146 assumable homes · median 6.17%
- 07Glendale104104 assumable homes · median 5.22%
- 08Casa Grande103103 assumable homes · median 6.16%
- 09Goodyear101101 assumable homes · median 5.22%
- 10Peoria7676 assumable homes · median 4.85%
- 11Gilbert7373 assumable homes · median 3.87%
- 12Sierra Vista6363 assumable homes · median 3.97%
- 13Chandler6161 assumable homes · median 3.77%
- 14Florence5555 assumable homes · median 5.52%
- 15Avondale4848 assumable homes · median 6.33%
- 16Laveen4747 assumable homes · median 6.39%
- 17Litchfield Park4747 assumable homes · median 6.50%
- 18Sun City4545 assumable homes · median 3.95%
- 19Queen Creek4444 assumable homes · median 4.06%
- 20Prescott4343 assumable homes · median 4.42%
- 21Apache Junction4141 assumable homes · median 4.98%
- 22Scottsdale4141 assumable homes · median 4.48%
- 23Tolleson3838 assumable homes · median 6.21%
- 24Prescott Valley3737 assumable homes · median 5.22%
- 25Tonopah2929 assumable homes · median 5.10%
- 26Flagstaff2525 assumable homes · median 3.54%
- 27Waddell2525 assumable homes · median 6.08%
- 28Coolidge2323 assumable homes · median 5.22%
- 29Arizona City2222 assumable homes · median 4.98%
- 30Tempe2222 assumable homes · median 6.12%
- 31El Mirage2121 assumable homes · median 5.41%
- 32Payson1919 assumable homes · median 5.27%
- 33Wittmann1919 assumable homes · median 4.17%
- 34Hereford1818 assumable homes · median 3.69%
- 35Williams1717 assumable homes · median 6.38%
- 36Chino Valley1616 assumable homes · median 4.38%
- 37Wickenburg1414 assumable homes · median 5.71%
- 38Dewey-Humboldt1313 assumable homes · median 4.98%
- 39Gold Canyon1313 assumable homes · median 6.33%
- 40Paulden1313 assumable homes · median 4.29%
- 41Sun City West1313 assumable homes · median 6.28%
- 42Anthem1212 assumable homes · median 6.25%
- 43Sedona1212 assumable homes · median 4.82%
- 44Show Low1212 assumable homes · median 6.50%
- 45Cave Creek1010 assumable homes · median 3.90%
- 46Fountain Hills1010 assumable homes · median 4.42%
- 47Camp Verde99 assumable homes · median 3.62%
- 48Mayer99 assumable homes · median 6.26%
- 49Tucson99 assumable homes · median 3.92%
- 50Eloy88 assumable homes · median 4.79%
- 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%
- 55Youngtown77 assumable homes · median 3.09%
- 56Cottonwood66 assumable homes · median 3.79%
- 57Dewey66 assumable homes · median 6.59%
- 58Huachuca City66 assumable homes · median 5.96%
- 59Benson55 assumable homes · median 3.92%
- 60Globe55 assumable homes · median 6.63%
- 61Pine55 assumable homes · median 5.41%
- 62Sun Lakes55 assumable homes · median 6.39%
- 63Winslow55 assumable homes · median 3.78%
- 64Arlington44 assumable homes · median 4.31%
- 65Marana44 assumable homes · median 4.50%
- 66Congress33 assumable homes · median 3.53%
- 67Lakeside33 assumable homes · median 5.41%
- 68McNeal33 assumable homes · median 6.19%
- 69Munds Park33 assumable homes · median 3.70%
- 70Queen Valley33 assumable homes · median 6.46%
- 71Rio Verde33 assumable homes · median 6.78%
- 72Snowflake33 assumable homes · median 6.20%
- 73Taylor33 assumable homes · median 6.63%
- 74Yuma33 assumable homes · median 6.50%
- 75Bellemont22 assumable homes · median 6.54%
- 76Clarkdale22 assumable homes · median 3.50%
- 77Cornville22 assumable homes · median 2.85%
- 78Kingman22 assumable homes · median 3.93%
- 79Miami22 assumable homes · median 5.88%
- 80Morristown22 assumable homes · median 3.65%
- 81Page22 assumable homes · median 5.19%
- 82St. Johns22 assumable homes · median 3.13%
- 83Strawberry22 assumable homes · median 3.25%
- 84Thatcher22 assumable homes · median 5.05%
- 85Tombstone22 assumable homes · median 5.29%
- 86Vail22 assumable homes · median 4.31%
- 87Ajo11 assumable home · median 7.80%
- 88Cibola11 assumable home · median 6.12%
- 89Eagar11 assumable home · median 6.24%
- 90Elgin11 assumable home · median 6.72%
- 91Fort Mohave11 assumable home · median 2.70%
- 92Fredonia11 assumable home · median 7.06%
- 93Happy Jack11 assumable home · median 2.81%
- 94Heber11 assumable home · median 3.02%
- 95Mormon Lake11 assumable home · median 3.57%
- 96Pinedale11 assumable home · median 2.25%
- 97Pinetop11 assumable home · median 6.50%
- 98Quartzsite11 assumable home · median 6.15%
- 99Red Rock11 assumable home · median 3.82%
- 100Roosevelt11 assumable home · median 2.91%
- 101Sahuarita11 assumable home · median 5.50%
- 102Salome11 assumable home · median 6.11%
- 103Seligman11 assumable home · median 6.69%
- 104Superior11 assumable home · median 6.50%
- 105Tonto Basin11 assumable home · median 6.50%
- 106Vernon11 assumable home · median 3.80%
- 107Willcox11 assumable home · median 2.24%
Also covered in Arizona, no verified assumable listings today:
- Aguila
- 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
- Rio Rico
- 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
- Tacna
- Topock
- Tubac
- Tumacacori
- Valley Farms
- 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 September 2026.
How assumptions work for buyersArizona has 2,901 homes for sale with an assumable mortgage as of September 2026: 1,733 FHA loans and 1,168 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 5.23%; 1,150 listings are under 4% and 1,372 are under 5%.
The median assumable home in Arizona lists for $410,000, with a median of $118,639 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 $1,747 a month versus $2,304 for the same balance at today's rate, roughly $557 kept every month and $6,684 a year. The deepest Arizona inventory is in Phoenix (391), Mesa (216), Buckeye (182), Surprise (171), and Maricopa (156).
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 2,901 on the map Homes on the marketacross Arizona.
VA
Active
24$499,900$65,048 down
- Rate
- 3.25%
7.03%today- Payment
- $2,119/mo
$3,249today
- 4beds
- 3baths
- 2,206sqft
2521 RED FOX Road, Phoenix
FHA
Active
33$424,900Potential short sale
- Rate
- 3.99%
7.03%today- Payment
- $2,060/mo
$2,883today
- 4beds
- 2baths
- 1,604sqft
7429 76TH Lane, Laveen
VA
Active
21$674,999$156,131 down
- Rate
- 3.10%
7.03%today- Payment
- $2,477/mo
$3,870today
- 4beds
- 4baths
- 2,924sqft
40641 BARRED Place, San Tan Valley
VA
Active
33$549,000$117,118 down
- Rate
- 3.125%
7.03%today- Payment
- $2,095/mo
$3,263today
- 3beds
- 2baths
- 1,868sqft
22768 VIA DEL SOL --, Queen Creek
FHA
Active
24$500,000$32,051 down
- Rate
- 3.99%
7.03%today- Payment
- $2,278/mo
$3,189today
- 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 September 2026.
- Active listings
- 2,901
- UMe Certified / verified
- 26
- Lowest rate
- 2.01%
- Median rate
- 5.23%
- Median list price
- $410,000
- Median cash to assume
- $118,639
Arizona listings by locked rate
- Under 4%1,150 homes
- 4% – 5%222 homes
- 5% – 6%205 homes
- 6% and up1,289 homes
Arizona listings by loan type
- FHA1,733 homesmedian 6.08%
- VA1,168 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: $410,000 list price and a 5.23% 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
$1,706/mo
New loan at 7.20%$1,968
Assumed at 5.25%
$1,706
Every month$263
Over five years$15,771
Interest you never pay$176,49726-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 $118,639 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 September 2026, UMe tracks 2,901 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 (1,733, median 6.08%) and VA (1,168, 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 2,901 listings is 5.23%. 1,150 listings are under 4% and 1,372 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 $1,747 per month versus $2,304 for the same balance at today's rates, a difference of about $557 every month, or $6,684 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 $118,639 on a median list price of $410,000. 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 (391), Mesa (216), Buckeye (182), Surprise (171), and Maricopa (156). 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.
