VA
Active
37$450,000$76,049 down
- Rate
- 2.90%
6.95%today- Payment
- $1,742/mo
$2,771today
- 3beds
- 2baths
- 1,637sqft
Dewey, Arizona
Assumable homes for salein Dewey, Arizona.
6 homes in Dewey carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.16%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Dewey assumable market
by the numbers.
6active assumable listings
3.16%lowest locked rate
$453kmedian list price
$518saved per month vs. 7.2%
About the market
Assumable mortgagesin Dewey, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Dewey. Updated September 2026.
How assumptions work for buyersDewey, Arizona has 6 homes for sale with an assumable mortgage as of September 2026: 4 VA loans and 2 FHA 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 Dewey assumable listings start at 3.16% with a median of 6.59%; 2 listings are under 4% and 2 are under 5%.
The median assumable home in Dewey lists for $452,500, with a median of $142,627 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 $2,357 a month versus $2,874 for the same balance at today's rate, roughly $518 kept every month and $6,210 a year. The most active Dewey ZIP codes are 86327 (6).
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 Dewey assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Dewey
View all 6 on the map Homes on the marketin Dewey.
VA
Active
69$519,500$78,514 down
- Rate
- 3.45%
6.95%today- Payment
- $2,164/mo
$3,210today
- 4beds
- 2baths
- 1,765sqft
7682 RABBIT BRUSH Lane, Prescott Valley
VA
Active
69$519,500$78,514 down
- Rate
- 3.45%
6.95%today- Payment
- $2,164/mo
$3,210today
- 4beds
- 2baths
- 1,765sqft
7682 RABBIT BRUSH Lane, Prescott Valley
FHA
Active
55$330,000$85,657 down
- Rate
- 2.83%
6.95%today- Payment
- $1,156/mo
$1,855today
- 3beds
- 2baths
- 1,122sqft
8500 Yavapai Road, Prescott Valley
FHA
Active
55$330,000$85,657 down
- Rate
- 2.83%
6.95%today- Payment
- $1,156/mo
$1,855today
- 3beds
- 2baths
- 1,122sqft
8500 Yavapai Road, Prescott Valley
VA
Active
19$350,000$78,703 down
- Rate
- 3.10%
6.95%today- Payment
- $1,281/mo
$1,986today
- 3beds
- 2baths
- 1,217sqft
8843 Len Court, Prescott 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 Dewey.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 6
- UMe Certified / verified
- 0
- Lowest rate
- 3.16%
- Median rate
- 6.59%
- Median list price
- $452,500
- Median cash to assume
- $142,627
Dewey listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up4 homes
Dewey listings by loan type
- VA4 homesmedian 4.95%
- FHA2 homesmedian 6.70%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Dewey ZIP code.
Each ZIP opens the Dewey map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Dewey numbers
What an assumable ratedoes to a Dewey payment.
The sliders start at the median Dewey assumable listing: $452,500 list price and a 6.59% 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)$145,000
32% 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 Dewey
$2,081/mo
New loan at 7.20%$2,104
Assumed at 6.60%
$2,081
Every month$23
Over five years$1,402
Interest you never pay$108,29626-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 Dewey listing on UMe shows the actual balance, rate, and payment.
How it works in Dewey
How to assumea mortgage in Dewey.
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 Dewey home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Dewey 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 $142,627 in Dewey 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 Dewey payment written in a different decade.
Dewey questions
Assuming a mortgagein Dewey.
The numbers below come from current Dewey inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Dewey?
As of September 2026, UMe tracks 6 active assumable listings in Dewey. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Dewey?
Current Dewey inventory breaks down as VA (4, median 4.95%) and FHA (2, median 6.70%). 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 Dewey?
The lowest rate on an active Dewey assumable listing is 3.16%, and the median across all 6 listings is 6.59%. 2 listings are under 4% and 2 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 Dewey?
Across current Dewey listings, the median principal-and-interest payment on the assumable loan is $2,357 per month versus $2,874 for the same balance at today's rates, a difference of about $518 every month, or $6,210 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 Dewey?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Dewey that gap is currently a median of $142,627 on a median list price of $452,500. 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 Dewey ZIP codes have the most assumable homes?
The Dewey ZIP codes with the most active assumable listings are 86327 (6). 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 Dewey?
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 Dewey.The rate is already on the house.
Every listing on the Dewey map has a rate you can take over. Start with the ones in Dewey, get pre-qualified in minutes, and let UMe carry the assumption to closing.
