VA
Active
58$700,000$297,506 down
- Rate
- 2.875%
6.95%today- Payment
- $1,891/mo
$3,017today
- 4beds
- 3baths
- 2,543sqft
Arizona · Statewide
Assumable homes for salein Arizona.
2,804 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.
2,804active assumable listings
2.01%lowest locked rate
$410kmedian list price
$538saved 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- 01Phoenix392392 assumable homes · median 4.50%
- 02Mesa210210 assumable homes · median 5.11%
- 03Buckeye185185 assumable homes · median 6.09%
- 04Surprise166166 assumable homes · median 5.60%
- 05Maricopa149149 assumable homes · median 5.16%
- 06San Tan Valley141141 assumable homes · median 6.26%
- 07Casa Grande101101 assumable homes · median 6.26%
- 08Glendale9696 assumable homes · median 5.22%
- 09Goodyear9393 assumable homes · median 5.55%
- 10Peoria6969 assumable homes · median 4.98%
- 11Gilbert6666 assumable homes · median 3.95%
- 12Chandler6262 assumable homes · median 4.12%
- 13Sierra Vista5555 assumable homes · median 4.04%
- 14Florence5353 assumable homes · median 6.11%
- 15Avondale5151 assumable homes · median 6.32%
- 16Laveen4848 assumable homes · median 6.39%
- 17Litchfield Park4646 assumable homes · median 6.50%
- 18Sun City4545 assumable homes · median 4.07%
- 19Prescott Valley4343 assumable homes · median 5.22%
- 20Queen Creek4343 assumable homes · median 4.25%
- 21Scottsdale4343 assumable homes · median 3.81%
- 22Prescott4242 assumable homes · median 4.20%
- 23Apache Junction4141 assumable homes · median 5.79%
- 24Tolleson3838 assumable homes · median 6.34%
- 25Tonopah3131 assumable homes · median 6.36%
- 26Arizona City2424 assumable homes · median 5.69%
- 27Coolidge2323 assumable homes · median 4.86%
- 28Tempe2323 assumable homes · median 5.98%
- 29Waddell2323 assumable homes · median 5.13%
- 30El Mirage2020 assumable homes · median 6.33%
- 31Chino Valley1818 assumable homes · median 4.38%
- 32Payson1818 assumable homes · median 6.00%
- 33Wittmann1717 assumable homes · median 3.98%
- 34Hereford1616 assumable homes · median 3.69%
- 35Sun City West1515 assumable homes · median 4.98%
- 36Dewey-Humboldt1414 assumable homes · median 5.72%
- 37Gold Canyon1414 assumable homes · median 6.25%
- 38Paulden1414 assumable homes · median 5.20%
- 39Wickenburg1414 assumable homes · median 5.71%
- 40Show Low1212 assumable homes · median 6.50%
- 41Sedona1111 assumable homes · median 4.10%
- 42Anthem1010 assumable homes · median 6.25%
- 43Cave Creek99 assumable homes · median 3.43%
- 44Flagstaff99 assumable homes · median 3.39%
- 45Camp Verde88 assumable homes · median 3.02%
- 46Eloy88 assumable homes · median 4.79%
- 47Mayer88 assumable homes · median 6.26%
- 48Tucson88 assumable homes · median 3.87%
- 49Cottonwood77 assumable homes · median 6.50%
- 50Douglas77 assumable homes · median 6.50%
- 51Fountain Hills77 assumable homes · median 3.30%
- 52Globe77 assumable homes · median 6.57%
- 53Huachuca City77 assumable homes · median 5.68%
- 54New River77 assumable homes · median 3.72%
- 55Overgaard77 assumable homes · median 4.98%
- 56Dewey66 assumable homes · median 6.59%
- 57Rimrock66 assumable homes · median 6.34%
- 58Benson55 assumable homes · median 3.92%
- 59Pine55 assumable homes · median 5.41%
- 60Arlington44 assumable homes · median 4.31%
- 61Congress44 assumable homes · median 4.95%
- 62Marana44 assumable homes · median 4.50%
- 63Youngtown44 assumable homes · median 3.00%
- 64Lakeside33 assumable homes · median 5.41%
- 65Queen Valley33 assumable homes · median 6.46%
- 66Rio Verde33 assumable homes · median 6.78%
- 67Sun Lakes33 assumable homes · median 6.42%
- 68Taylor33 assumable homes · median 6.63%
- 69Williams33 assumable homes · median 6.26%
- 70Clarkdale22 assumable homes · median 3.50%
- 71Cornville22 assumable homes · median 2.85%
- 72McNeal22 assumable homes · median 4.50%
- 73Miami22 assumable homes · median 5.88%
- 74Morristown22 assumable homes · median 3.65%
- 75Munds Park22 assumable homes · median 3.70%
- 76Page22 assumable homes · median 5.19%
- 77Pinetop22 assumable homes · median 6.50%
- 78Snowflake22 assumable homes · median 6.39%
- 79St. Johns22 assumable homes · median 3.13%
- 80Thatcher22 assumable homes · median 5.05%
- 81Tombstone22 assumable homes · median 5.29%
- 82Vail22 assumable homes · median 4.31%
- 83Yuma22 assumable homes · median 5.33%
- 84Ajo11 assumable home · median 7.80%
- 85Bellemont11 assumable home · median 6.54%
- 86Bisbee11 assumable home · median 4.17%
- 87Cibola11 assumable home · median 6.12%
- 88Eagar11 assumable home · median 6.24%
- 89Elgin11 assumable home · median 6.72%
- 90Fort Mohave11 assumable home · median 2.70%
- 91Happy Jack11 assumable home · median 2.81%
- 92Heber11 assumable home · median 3.02%
- 93Kingman11 assumable home · median 4.98%
- 94Mormon Lake11 assumable home · median 3.57%
- 95Paradise Valley11 assumable home · median 3.04%
- 96Pinedale11 assumable home · median 2.25%
- 97Quartzsite11 assumable home · median 6.15%
- 98Red Rock11 assumable home · median 3.82%
- 99Roosevelt11 assumable home · median 2.91%
- 100Sahuarita11 assumable home · median 5.50%
- 101Salome11 assumable home · median 6.11%
- 102Seligman11 assumable home · median 6.69%
- 103Strawberry11 assumable home · median 2.89%
- 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%
- 108Winslow11 assumable home · median 2.96%
Also covered in Arizona, no verified assumable listings today:
- Aguila
- Alpine
- Amado
- Arivaca
- Ash Fork
- Bagdad
- 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
- Fredonia
- 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
- 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 2,804 homes for sale with an assumable mortgage as of September 2026: 1,647 FHA loans and 1,141 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%; 1,100 listings are under 4% and 1,315 are under 5%.
The median assumable home in Arizona lists for $410,000, with a median of $118,096 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 $1,767 a month versus $2,304 for the same balance at today's rate, roughly $538 kept every month and $6,451 a year. The deepest Arizona inventory is in Phoenix (392), Mesa (210), Buckeye (185), Surprise (166), and Maricopa (149).
24 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 2,804 on the map Homes on the marketacross Arizona.
Top pick
Active
35$400,000$27,436 down
- Rate
- 2.625%
6.95%today- Payment
- $1,691/mo
$2,787today
- 3beds
- 2baths
- 1,783sqft
21228 260TH Lane, Buckeye
VA
Active
11$409,999$89,296 down
- Rate
- 2.50%
6.95%today- Payment
- $1,442/mo
$2,416today
- 3beds
- 2baths
- 1,931sqft
8803 Orchid Lane, Peoria
VA
Active
24$500,000$64,209 down
- Rate
- 3.25%
6.95%today- Payment
- $2,119/mo
$3,223today
- 4beds
- 3baths
- 2,206sqft
2521 RED FOX Road, Phoenix
Active
21$674,999$155,905 down
- Rate
- 3.125%
6.95%today- Payment
- $2,485/mo
$3,839today
- 4beds
- 4baths
- 2,924sqft
40641 BARRED Place, San Tan Valley
Active
37$526,000Potential short sale
- Rate
- 3.99%
6.95%today- Payment
- $2,679/mo
$3,719today
- 4beds
- 3baths
- 3,017sqft
17034 Seldon Lane, Waddell
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
- 2,804
- UMe Certified / verified
- 24
- Lowest rate
- 2.01%
- Median rate
- 5.23%
- Median list price
- $410,000
- Median cash to assume
- $118,096
Arizona listings by locked rate
- Under 4%1,100 homes
- 4% – 5%215 homes
- 5% – 6%202 homes
- 6% and up1,255 homes
Arizona listings by loan type
- FHA1,647 homesmedian 6.11%
- VA1,141 homesmedian 3.96%
- Other16 homesmedian 4.38%
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 $118,096 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 2,804 active assumable listings in Arizona. 24 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 (1,647, median 6.11%), VA (1,141, median 3.96%), and Other (16, median 4.38%). 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 2,804 listings is 5.23%. 1,100 listings are under 4% and 1,315 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 $1,767 per month versus $2,304 for the same balance at today's rates, a difference of about $538 every month, or $6,451 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 $118,096 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 (392), Mesa (210), Buckeye (185), Surprise (166), and Maricopa (149). 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.
