FHATop pick
Active
$135,320Potential short sale
- Rate
- 2.87%
6.95%today- Payment
- $635/mo
$1,014today
- 4beds
- 2baths
- 1,447sqft
Chino Valley, Arizona
Assumable homes for salein Chino Valley, Arizona.
18 homes in Chino Valley carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.72%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Chino Valley assumable market
by the numbers.
18active assumable listings
2.72%lowest locked rate
$412kmedian list price
$268saved per month vs. 7.2%
About the market
Assumable mortgagesin Chino Valley, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Chino Valley. Updated September 2026.
How assumptions work for buyersChino Valley, Arizona has 18 homes for sale with an assumable mortgage as of September 2026: 11 FHA loans and 7 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 Chino Valley assumable listings start at 2.72% with a median of 4.38%; 8 listings are under 4% and 10 are under 5%.
The median assumable home in Chino Valley lists for $412,000, with a median of $107,028 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 $1,389 a month versus $1,657 for the same balance at today's rate, roughly $268 kept every month and $3,212 a year. The most active Chino Valley ZIP codes are 86323 (18).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. 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 Chino Valley assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Chino Valley
View all 18 on the map Homes on the marketin Chino Valley.
FHA
Active
32$297,000$56,548 down
- Rate
- 2.84%
6.95%today- Payment
- $1,115/mo
$1,787today
- 3beds
- 2baths
- 1,567sqft
24460 MARBLEHEAD Avenue, Paulden
FHA
Active
31$275,000$56,408 down
- Rate
- 2.84%
6.95%today- Payment
- $1,014/mo
$1,625today
- 2beds
- 2baths
- 965sqft
3160 Cascade Drive #G16, Prescott
FHA
Active
30$297,000$56,548 down
- Rate
- 2.84%
6.95%today- Payment
- $1,115/mo
$1,787today
- 3beds
- 2baths
- 1,567sqft
24460 MARBLEHEAD Avenue, Paulden
VA
Active
17$175,000$24,646 down
- Rate
- 2.90%
6.95%today- Payment
- $700/mo
$1,114today
- 2beds
- 1baths
- 785sqft
1490 PURPLE SAGE Drive, Chino Valley
VA
Active
17$175,000$24,646 down
- Rate
- 2.90%
6.95%today- Payment
- $700/mo
$1,114today
- 2beds
- 1baths
- 785sqft
1490 PURPLE SAGE Drive, Chino 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 Chino Valley.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 18
- UMe Certified / verified
- 0
- Lowest rate
- 2.72%
- Median rate
- 4.38%
- Median list price
- $412,000
- Median cash to assume
- $107,028
Chino Valley listings by locked rate
- Under 4%8 homes
- 4% – 5%2 homes
- 5% – 6%3 homes
- 6% and up5 homes
Chino Valley listings by loan type
- FHA11 homesmedian 5.55%
- VA7 homesmedian 2.90%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Chino Valley ZIP code.
Each ZIP opens the Chino Valley map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Chino Valley numbers
What an assumable ratedoes to a Chino Valley payment.
The sliders start at the median Chino Valley assumable listing: $412,000 list price and a 4.38% 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)$105,000
26% 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 Chino Valley
$1,643/mo
New loan at 7.20%$2,070
Assumed at 4.40%
$1,643
Every month$428
Over five years$25,656
Interest you never pay$232,78826-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 Chino Valley listing on UMe shows the actual balance, rate, and payment.
How it works in Chino Valley
How to assumea mortgage in Chino Valley.
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 Chino Valley home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Chino Valley 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 $107,028 in Chino Valley 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 Chino Valley payment written in a different decade.
Chino Valley questions
Assuming a mortgagein Chino Valley.
The numbers below come from current Chino Valley inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Chino Valley?
As of September 2026, UMe tracks 18 active assumable listings in Chino Valley. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Chino Valley?
Current Chino Valley inventory breaks down as FHA (11, median 5.55%) and VA (7, median 2.90%). 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 Chino Valley?
The lowest rate on an active Chino Valley assumable listing is 2.72%, and the median across all 18 listings is 4.38%. 8 listings are under 4% and 10 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 Chino Valley?
Across current Chino Valley listings, the median principal-and-interest payment on the assumable loan is $1,389 per month versus $1,657 for the same balance at today's rates, a difference of about $268 every month, or $3,212 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 Chino Valley?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Chino Valley that gap is currently a median of $107,028 on a median list price of $412,000. 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 Chino Valley ZIP codes have the most assumable homes?
The Chino Valley ZIP codes with the most active assumable listings are 86323 (18). 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 Chino Valley?
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 Chino Valley.The rate is already on the house.
Every listing on the Chino Valley map has a rate you can take over. Start with the ones in Chino Valley, get pre-qualified in minutes, and let UMe carry the assumption to closing.
