Active
32$425,000$68,762 down
- Rate
- 5.125%
6.95%today- Payment
- $2,038/mo
$2,478today
- 4beds
- 3baths
- 2,048sqft
Buckeye, Arizona
Assumable homes for salein Buckeye, Arizona.
185 homes in Buckeye carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.20%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Buckeye assumable market
by the numbers.
185active assumable listings
2.20%lowest locked rate
$395kmedian list price
$502saved per month vs. 7.2%
About the market
Assumable mortgagesin Buckeye, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Buckeye. Updated September 2026.
How assumptions work for buyersBuckeye, Arizona has 185 homes for sale with an assumable mortgage as of September 2026: 111 FHA loans and 72 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 Buckeye assumable listings start at 2.20% with a median of 6.09%; 65 listings are under 4% and 81 are under 5%.
The median assumable home in Buckeye lists for $395,000, with a median of $99,992 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 $1,947 a month versus $2,449 for the same balance at today's rate, roughly $502 kept every month and $6,019 a year. The most active Buckeye ZIP codes are 85326 (109) and 85396 (76).
2 listings in Buckeye 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 Buckeye assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Buckeye
View all 185 on the map Homes on the marketin Buckeye.
Active
67$525,000$253,645 down
- Rate
- 4.625%
6.95%today- Payment
- $1,615/mo
$2,080today
- 4beds
- 3baths
- 2,414sqft
4916 185TH Drive, Goodyear
FHATop pick
Active
28$310,900$17,621 down
- Rate
- 3.10%
6.95%today- Payment
- $1,388/mo
$2,151today
- 3beds
- 2baths
- 1,096sqft
22093 SOLANO Drive, Buckeye
FHA
Active
30$329,000$57,892 down
- Rate
- 2.74%
6.95%today- Payment
- $1,261/mo
$2,047today
- 4beds
- 3baths
- 2,485sqft
25519 CROWN KING Road, Buckeye
FHA
Active
30$308,900$38,625 down
- Rate
- 2.88%
6.95%today- Payment
- $1,268/mo
$2,021today
- 3beds
- 2baths
- 1,310sqft
23996 BOWKER Street, Buckeye
FHA
Active
21$330,000$51,486 down
- Rate
- 2.96%
6.95%today- Payment
- $1,318/mo
$2,080today
- 3beds
- 2baths
- 1,656sqft
7283 253RD Avenue, Buckeye
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 Buckeye.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 185
- UMe Certified / verified
- 2
- Lowest rate
- 2.20%
- Median rate
- 6.09%
- Median list price
- $395,000
- Median cash to assume
- $99,992
Buckeye listings by locked rate
- Under 4%65 homes
- 4% – 5%16 homes
- 5% – 6%10 homes
- 6% and up94 homes
Buckeye listings by loan type
- FHA111 homesmedian 6.10%
- VA72 homesmedian 6.05%
- Other2 homesmedian 3.88%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Buckeye ZIP code.
Each ZIP opens the Buckeye map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Buckeye numbers
What an assumable ratedoes to a Buckeye payment.
The sliders start at the median Buckeye assumable listing: $395,000 list price and a 6.09% 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)$100,000
25% 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 Buckeye
$1,888/mo
New loan at 7.20%$2,002
Assumed at 6.10%
$1,888
Every month$115
Over five years$6,889
Interest you never pay$131,93726-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 Buckeye listing on UMe shows the actual balance, rate, and payment.
How it works in Buckeye
How to assumea mortgage in Buckeye.
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 Buckeye home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Buckeye 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 $99,992 in Buckeye 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 Buckeye payment written in a different decade.
Buckeye questions
Assuming a mortgagein Buckeye.
The numbers below come from current Buckeye inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Buckeye?
As of September 2026, UMe tracks 185 active assumable listings in Buckeye. 2 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 Buckeye?
Current Buckeye inventory breaks down as FHA (111, median 6.10%), VA (72, median 6.05%), and Other (2, median 3.88%). 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 Buckeye?
The lowest rate on an active Buckeye assumable listing is 2.20%, and the median across all 185 listings is 6.09%. 65 listings are under 4% and 81 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 Buckeye?
Across current Buckeye listings, the median principal-and-interest payment on the assumable loan is $1,947 per month versus $2,449 for the same balance at today's rates, a difference of about $502 every month, or $6,019 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 Buckeye?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Buckeye that gap is currently a median of $99,992 on a median list price of $395,000. 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 Buckeye ZIP codes have the most assumable homes?
The Buckeye ZIP codes with the most active assumable listings are 85326 (109) and 85396 (76). 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 Buckeye?
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 Buckeye.The rate is already on the house.
Every listing on the Buckeye map has a rate you can take over. Start with the ones in Buckeye, get pre-qualified in minutes, and let UMe carry the assumption to closing.
