VA
Active
12$409,999$89,296 equity gap
- Rate
- 2.50%
7.40%today- Payment
- $1,442/mo
$2,527today
- 3beds
- 2baths
- 1,931sqft
Arizona · Statewide
Assumable homes for salein Arizona.
2,992 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.
2,992active assumable listings
2.01%lowest locked rate
$405kmedian list price
$553saved 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- 01Phoenix412412 assumable homes · median 4.47%
- 02Mesa220220 assumable homes · median 5.11%
- 03Buckeye178178 assumable homes · median 5.75%
- 04Surprise172172 assumable homes · median 6.12%
- 05Maricopa158158 assumable homes · median 5.25%
- 06San Tan Valley137137 assumable homes · median 6.12%
- 07Glendale115115 assumable homes · median 5.22%
- 08Casa Grande106106 assumable homes · median 5.88%
- 09Goodyear106106 assumable homes · median 5.11%
- 10Peoria9292 assumable homes · median 4.99%
- 11Gilbert7676 assumable homes · median 3.91%
- 12Chandler6565 assumable homes · median 5.41%
- 13Florence5454 assumable homes · median 6.15%
- 14Sierra Vista5454 assumable homes · median 5.00%
- 15Queen Creek5353 assumable homes · median 4.25%
- 16Litchfield Park5050 assumable homes · median 6.34%
- 17Sun City4949 assumable homes · median 4.51%
- 18Apache Junction4545 assumable homes · median 4.28%
- 19Avondale4444 assumable homes · median 6.31%
- 20Laveen4141 assumable homes · median 6.45%
- 21Scottsdale3939 assumable homes · median 3.67%
- 22Prescott Valley3838 assumable homes · median 4.11%
- 23Tolleson3737 assumable homes · median 6.11%
- 24Prescott3434 assumable homes · median 4.65%
- 25Arizona City2929 assumable homes · median 6.32%
- 26Tonopah2828 assumable homes · median 6.21%
- 27Coolidge2727 assumable homes · median 6.36%
- 28Flagstaff2727 assumable homes · median 3.71%
- 29El Mirage2525 assumable homes · median 3.87%
- 30Waddell2525 assumable homes · median 5.63%
- 31Tempe2424 assumable homes · median 5.98%
- 32Gold Canyon2121 assumable homes · median 4.67%
- 33Payson2020 assumable homes · median 4.16%
- 34Wittmann2020 assumable homes · median 5.92%
- 35Wickenburg1818 assumable homes · median 6.50%
- 36Hereford1717 assumable homes · median 3.68%
- 37Sun City West1616 assumable homes · median 6.30%
- 38Williams1515 assumable homes · median 6.39%
- 39Chino Valley1414 assumable homes · median 4.38%
- 40Sedona1414 assumable homes · median 4.82%
- 41Show Low1414 assumable homes · median 6.55%
- 42Dewey-Humboldt1313 assumable homes · median 4.99%
- 43Cave Creek1212 assumable homes · median 4.19%
- 44Anthem1111 assumable homes · median 6.00%
- 45Paulden1111 assumable homes · median 3.22%
- 46Camp Verde1010 assumable homes · median 4.17%
- 47Fountain Hills1010 assumable homes · median 4.42%
- 48Mayer1010 assumable homes · median 5.55%
- 49Rimrock99 assumable homes · median 6.50%
- 50Douglas88 assumable homes · median 6.62%
- 51Eloy88 assumable homes · median 4.79%
- 52New River77 assumable homes · median 3.72%
- 53Tucson77 assumable homes · median 6.78%
- 54Youngtown77 assumable homes · median 6.62%
- 55Benson66 assumable homes · median 5.13%
- 56Cottonwood66 assumable homes · median 3.79%
- 57Globe66 assumable homes · median 6.48%
- 58Overgaard66 assumable homes · median 5.89%
- 59Sun Lakes66 assumable homes · median 5.06%
- 60Winslow66 assumable homes · median 5.02%
- 61Huachuca City55 assumable homes · median 5.68%
- 62Pine55 assumable homes · median 6.56%
- 63Dewey44 assumable homes · median 6.78%
- 64Lakeside44 assumable homes · median 6.00%
- 65Rio Verde44 assumable homes · median 5.19%
- 66Arlington33 assumable homes · median 3.64%
- 67Clarkdale33 assumable homes · median 3.55%
- 68Congress33 assumable homes · median 3.53%
- 69Cornville33 assumable homes · median 2.93%
- 70McNeal33 assumable homes · median 6.19%
- 71Morristown33 assumable homes · median 3.65%
- 72Tombstone33 assumable homes · median 6.22%
- 73Bellemont22 assumable homes · median 6.54%
- 74Kingman22 assumable homes · median 3.93%
- 75Marana22 assumable homes · median 5.17%
- 76Miami22 assumable homes · median 5.91%
- 77Munds Park22 assumable homes · median 5.10%
- 78Pinetop22 assumable homes · median 6.57%
- 79Queen Valley22 assumable homes · median 6.53%
- 80Rio Rico22 assumable homes · median 5.17%
- 81Sahuarita22 assumable homes · median 6.07%
- 82Salome22 assumable homes · median 5.05%
- 83Skull Valley22 assumable homes · median 2.86%
- 84Snowflake22 assumable homes · median 6.20%
- 85Strawberry22 assumable homes · median 3.25%
- 86Taylor22 assumable homes · median 5.12%
- 87Thatcher22 assumable homes · median 5.05%
- 88Vail22 assumable homes · median 4.31%
- 89Yuma22 assumable homes · median 6.69%
- 90Aguila11 assumable home · median 2.78%
- 91Ash Fork11 assumable home · median 7.09%
- 92Bisbee11 assumable home · median 6.50%
- 93Black Canyon City11 assumable home · median 6.64%
- 94Cibola11 assumable home · median 6.12%
- 95Eagar11 assumable home · median 6.24%
- 96Elgin11 assumable home · median 6.72%
- 97Fort Mohave11 assumable home · median 2.70%
- 98Happy Jack11 assumable home · median 2.81%
- 99Heber11 assumable home · median 3.02%
- 100Humboldt11 assumable home · median 6.47%
- 101Mormon Lake11 assumable home · median 3.57%
- 102Oro Valley11 assumable home · median 5.27%
- 103Page11 assumable home · median 7.00%
- 104Pinedale11 assumable home · median 2.25%
- 105Quartzsite11 assumable home · median 4.67%
- 106Red Rock11 assumable home · median 3.82%
- 107Roosevelt11 assumable home · median 2.91%
- 108Seligman11 assumable home · median 6.69%
- 109Sonoita11 assumable home · median 2.78%
- 110St. Johns11 assumable home · median 3.49%
- 111Tonto Basin11 assumable home · median 6.50%
- 112Valley Farms11 assumable home · median 5.30%
- 113Vernon11 assumable home · median 3.80%
- 114Wellton11 assumable home · median 6.58%
- 115Willcox11 assumable home · median 2.24%
Also covered in Arizona, no verified assumable listings today:
- Ajo
- Alpine
- Amado
- Arivaca
- Bagdad
- 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
- Fredonia
- Gila Bend
- Golden Valley
- Green Valley
- Greer
- Groom Creek
- Guadalupe
- Hackberry
- Hayden
- Holbrook
- Jerome
- Joseph City
- Kearny
- Kirkland
- Lake Havasu City
- Littlefield
- Mammoth
- Meadview
- Mobile
- Mohave Valley
- Mount Lemmon
- Naco
- Nogales
- Nutrioso
- Oatman
- Oracle
- 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
- Somerton
- Spring Valley
- Springerville
- St. David
- Stanfield
- Star Valley
- Sun Valley
- Sunsites
- Superior
- Tacna
- Topock
- Tubac
- Tumacacori
- 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 2,992 homes for sale with an assumable mortgage as of October 2026: 1,765 FHA loans and 1,227 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 5.25%; 1,184 listings are under 4% and 1,397 are under 5%.
The median assumable home in Arizona lists for $405,000, with a median of $118,471 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 $1,752 a month versus $2,304 for the same balance at today's rate, roughly $553 kept every month and $6,630 a year. The deepest Arizona inventory is in Phoenix (412), Mesa (220), Buckeye (178), Surprise (172), and Maricopa (158).
35 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 2,992 on the map Homes on the marketacross Arizona.
VA
Active
26$309,999$32,527 equity gap
- Rate
- 2.875%
7.40%today- Payment
- $1,286/mo
$2,146today
- 3beds
- 2baths
- 1,266sqft
44192 GRIFFIS Drive, Maricopa
VA
Active
29$325,000$89,526 equity gap
- Rate
- 2.249%
7.40%today- Payment
- $1,048/mo
$1,898today
- 4beds
- 3baths
- 2,185sqft
42443 HILLMAN Drive, Maricopa
VA
Active
37$519,900$146,638 equity gap
- Rate
- 2.25%
7.40%today- Payment
- $1,628/mo
$2,949today
- 3beds
- 2baths
- 2,048sqft
18230 LOUISE Drive, Surprise
VA
Active
32$879,990$181,304 equity gap
- Rate
- 2.50%
7.40%today- Payment
- $3,119/mo
$5,466today
- 5beds
- 3baths
- —sqft
6226 14TH Street, Phoenix
FHA
Active
43$305,000$87,487 equity gap
- Rate
- 2.88%
7.40%today- Payment
- $1,039/mo
$1,734today
- 3beds
- 2baths
- 1,631sqft
1750 RENEGADE Trail, San Tan Valley
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
- 2,992
- UMe Certified / verified
- 35
- Lowest rate
- 2.01%
- Median rate
- 5.25%
- Median list price
- $405,000
- Median cash to assume
- $118,471
Arizona listings by locked rate
- Under 4%1,184 homes
- 4% – 5%213 homes
- 5% – 6%221 homes
- 6% and up1,345 homes
Arizona listings by loan type
- FHA1,765 homesmedian 6.11%
- VA1,227 homesmedian 3.98%
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: $405,000 list price and a 5.25% 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
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 Arizona
$1,676/mo
New loan at 7.20%$1,935
Assumed at 5.25%
$1,676
Every month$258
Over five years$15,499
Interest you never pay$173,45426-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 $118,471 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 2,992 active assumable listings in Arizona. 35 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 (1,765, median 6.11%) and VA (1,227, median 3.98%). 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 2,992 listings is 5.25%. 1,184 listings are under 4% and 1,397 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 $1,752 per month versus $2,304 for the same balance at today's rates, a difference of about $553 every month, or $6,630 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 $118,471 on a median list price of $405,000. 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 (412), Mesa (220), Buckeye (178), Surprise (172), and Maricopa (158). 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.
