VATop pick
Active
26$289,900$13,049 equity gap
- Rate
- 2.875%
7.18%today- Payment
- $1,286/mo
$2,100today
- 3beds
- 2baths
- 1,266sqft
Arizona · Statewide
Assumable homes for salein Arizona.
2,971 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.
2,971active assumable listings
2.01%lowest locked rate
$400kmedian list price
$544saved 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- 01Phoenix411411 assumable homes · median 4.47%
- 02Mesa228228 assumable homes · median 4.74%
- 03Buckeye181181 assumable homes · median 5.22%
- 04Surprise171171 assumable homes · median 6.15%
- 05Maricopa163163 assumable homes · median 5.22%
- 06San Tan Valley144144 assumable homes · median 6.19%
- 07Glendale125125 assumable homes · median 5.16%
- 08Goodyear118118 assumable homes · median 5.25%
- 09Casa Grande109109 assumable homes · median 5.27%
- 10Peoria9393 assumable homes · median 4.99%
- 11Gilbert7171 assumable homes · median 3.87%
- 12Chandler6060 assumable homes · median 5.65%
- 13Sierra Vista5656 assumable homes · median 4.46%
- 14Sun City5555 assumable homes · median 4.17%
- 15Florence5252 assumable homes · median 6.15%
- 16Queen Creek5050 assumable homes · median 3.90%
- 17Avondale4646 assumable homes · median 5.59%
- 18Apache Junction4545 assumable homes · median 5.78%
- 19Litchfield Park4444 assumable homes · median 6.34%
- 20Scottsdale4343 assumable homes · median 3.81%
- 21Prescott3838 assumable homes · median 4.19%
- 22Tolleson3838 assumable homes · median 6.13%
- 23Prescott Valley3636 assumable homes · median 3.91%
- 24Laveen3131 assumable homes · median 6.50%
- 25Tonopah3030 assumable homes · median 5.62%
- 26Arizona City2929 assumable homes · median 6.32%
- 27El Mirage2525 assumable homes · median 5.70%
- 28Waddell2525 assumable homes · median 5.13%
- 29Coolidge2424 assumable homes · median 6.35%
- 30Tempe2323 assumable homes · median 4.58%
- 31Gold Canyon2222 assumable homes · median 5.61%
- 32Wickenburg1919 assumable homes · median 6.56%
- 33Wittmann1919 assumable homes · median 5.78%
- 34Payson1818 assumable homes · median 3.90%
- 35Hereford1717 assumable homes · median 3.68%
- 36Show Low1414 assumable homes · median 6.55%
- 37Sun City West1414 assumable homes · median 6.31%
- 38Mayer1313 assumable homes · median 5.85%
- 39Chino Valley1212 assumable homes · median 4.05%
- 40Sedona1111 assumable homes · median 5.54%
- 41Youngtown1111 assumable homes · median 6.62%
- 42Cave Creek1010 assumable homes · median 4.19%
- 43Flagstaff1010 assumable homes · median 3.46%
- 44Paulden1010 assumable homes · median 3.76%
- 45Anthem99 assumable homes · median 6.00%
- 46Fountain Hills99 assumable homes · median 5.54%
- 47Camp Verde88 assumable homes · median 4.98%
- 48Dewey-Humboldt88 assumable homes · median 4.45%
- 49Douglas88 assumable homes · median 6.62%
- 50Eloy88 assumable homes · median 3.23%
- 51New River88 assumable homes · median 3.85%
- 52Sun Lakes88 assumable homes · median 3.58%
- 53Cottonwood77 assumable homes · median 4.43%
- 54Rimrock77 assumable homes · median 6.50%
- 55Tucson77 assumable homes · median 6.84%
- 56Huachuca City66 assumable homes · median 4.14%
- 57Benson55 assumable homes · median 6.34%
- 58Overgaard55 assumable homes · median 6.81%
- 59Pine55 assumable homes · median 6.56%
- 60Dewey44 assumable homes · median 6.64%
- 61Globe44 assumable homes · median 6.51%
- 62Williams44 assumable homes · median 5.34%
- 63Arlington33 assumable homes · median 3.64%
- 64Clarkdale33 assumable homes · median 3.55%
- 65Congress33 assumable homes · median 3.53%
- 66Cornville33 assumable homes · median 2.93%
- 67Lakeside33 assumable homes · median 5.41%
- 68Marana33 assumable homes · median 3.70%
- 69McNeal33 assumable homes · median 6.19%
- 70Miami33 assumable homes · median 6.87%
- 71Morristown33 assumable homes · median 3.65%
- 72Rio Verde33 assumable homes · median 3.75%
- 73Snowflake33 assumable homes · median 6.20%
- 74Tombstone33 assumable homes · median 6.22%
- 75Kingman22 assumable homes · median 3.93%
- 76Pinetop22 assumable homes · median 6.57%
- 77Queen Valley22 assumable homes · median 6.53%
- 78Rio Rico22 assumable homes · median 5.18%
- 79Sahuarita22 assumable homes · median 6.07%
- 80Salome22 assumable homes · median 5.06%
- 81Skull Valley22 assumable homes · median 2.86%
- 82Taylor22 assumable homes · median 5.12%
- 83Thatcher22 assumable homes · median 5.05%
- 84Vail22 assumable homes · median 4.31%
- 85Aguila11 assumable home · median 2.78%
- 86Ajo11 assumable home · median 3.57%
- 87Ash Fork11 assumable home · median 7.09%
- 88Bellemont11 assumable home · median 6.54%
- 89Black Canyon City11 assumable home · median 6.64%
- 90Cibola11 assumable home · median 6.12%
- 91Eagar11 assumable home · median 6.24%
- 92Elgin11 assumable home · median 6.72%
- 93Fort Mohave11 assumable home · median 2.70%
- 94Happy Jack11 assumable home · median 2.81%
- 95Heber11 assumable home · median 3.02%
- 96Humboldt11 assumable home · median 6.47%
- 97Mormon Lake11 assumable home · median 3.57%
- 98Munds Park11 assumable home · median 3.70%
- 99Oro Valley11 assumable home · median 5.27%
- 100Paradise Valley11 assumable home · median 2.66%
- 101Pinedale11 assumable home · median 2.25%
- 102Quartzsite11 assumable home · median 4.67%
- 103Roosevelt11 assumable home · median 2.91%
- 104Seligman11 assumable home · median 6.69%
- 105Sonoita11 assumable home · median 2.78%
- 106St. Johns11 assumable home · median 3.49%
- 107Strawberry11 assumable home · median 2.89%
- 108Tonto Basin11 assumable home · median 6.50%
- 109Valley Farms11 assumable home · median 5.30%
- 110Vernon11 assumable home · median 3.80%
- 111Wellton11 assumable home · median 6.58%
- 112Willcox11 assumable home · median 2.24%
- 113Winslow11 assumable home · median 2.96%
- 114Yuma11 assumable home · median 6.30%
Also covered in Arizona, no verified assumable listings today:
- Alpine
- Amado
- Arivaca
- Bagdad
- Bisbee
- 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
- Page
- Palo Verde
- Parker
- Parks
- Patagonia
- Peach Springs
- Pearce
- Peeples Valley
- Picacho
- Pima
- Pirtleville
- Portal
- Red Rock
- 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 November 2026.
How assumptions work for buyersArizona has 2,971 homes for sale with an assumable mortgage as of November 2026: 1,717 FHA loans and 1,254 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%; 1,209 listings are under 4% and 1,419 are under 5%.
The median assumable home in Arizona lists for $400,000, with a median of $117,528 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 $2,291 for the same balance at today's rate, roughly $544 kept every month and $6,523 a year. The deepest Arizona inventory is in Phoenix (411), Mesa (228), Buckeye (181), Surprise (171), and Maricopa (163).
33 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 2,971 on the map Homes on the marketacross Arizona.
VA
Active
12$409,999$90,070 equity gap
- Rate
- 2.50%
7.18%today- Payment
- $1,442/mo
$2,473today
- 3beds
- 2baths
- 1,931sqft
8803 Orchid Lane, Peoria
VA
Active
55$385,000$71,822 equity gap
- Rate
- 2.625%
7.18%today- Payment
- $1,460/mo
$2,462today
- 3beds
- 3baths
- 2,100sqft
41346 ARVADA Lane, Maricopa
VA
Active
32$879,990$181,304 equity gap
- Rate
- 2.50%
7.18%today- Payment
- $3,119/mo
$5,348today
- 2beds
- 1baths
- 1,037sqft
6226 14TH Street, Phoenix
FHA
Active
22$379,900$100,675 equity gap
- Rate
- 3.00%
7.18%today- Payment
- $1,345/mo
$2,162today
- 3beds
- 2baths
- 1,394sqft
6330 SANDRA Terrace, Glendale
VA
Active
21$674,999$158,406 equity gap
- Rate
- 3.10%
7.18%today- Payment
- $2,477/mo
$3,929today
- 4beds
- 4baths
- 2,924sqft
40641 BARRED Place, 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 November 2026.
- Active listings
- 2,971
- UMe Certified / verified
- 33
- Lowest rate
- 2.01%
- Median rate
- 5.22%
- Median list price
- $400,000
- Median cash to assume
- $117,528
Arizona listings by locked rate
- Under 4%1,209 homes
- 4% – 5%210 homes
- 5% – 6%212 homes
- 6% and up1,315 homes
Arizona listings by loan type
- FHA1,717 homesmedian 6.08%
- VA1,254 homesmedian 3.97%
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: $400,000 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
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
$1,638/mo
New loan at 7.20%$1,901
Assumed at 5.20%
$1,638
Every month$262
Over five years$15,727
Interest you never pay$173,01126-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 $117,528 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 November 2026, UMe tracks 2,971 active assumable listings in Arizona. 33 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 (1,717, median 6.08%) and VA (1,254, median 3.97%). 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 2,971 listings is 5.22%. 1,209 listings are under 4% and 1,419 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 $2,291 for the same balance at today's rates, a difference of about $544 every month, or $6,523 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 $117,528 on a median list price of $400,000. 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 (411), Mesa (228), Buckeye (181), Surprise (171), and Maricopa (163). 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.
