VA
Active
41$375,000$189,353 down
- Rate
- 2.81%
6.95%today- Payment
- $870/mo
$1,400today
- 4beds
- 3baths
- 2,719sqft
Douglas, Arizona
Assumable homes for salein Douglas, Arizona.
7 homes in Douglas carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 6.27%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Douglas assumable market
by the numbers.
7active assumable listings
6.27%lowest locked rate
$225kmedian list price
$141saved per month vs. 7.2%
About the market
Assumable mortgagesin Douglas, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Douglas. Updated September 2026.
How assumptions work for buyersDouglas, Arizona has 7 homes for sale with an assumable mortgage as of September 2026: 6 FHA loans and 1 VA loan 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 Douglas assumable listings start at 6.27% with a median of 6.50%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Douglas lists for $225,000, with a median of $47,684 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 $1,040 a month versus $1,181 for the same balance at today's rate, roughly $141 kept every month and $1,691 a year. The most active Douglas ZIP codes are 85607 (7).
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 Douglas assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Douglas
View all 7 on the map Homes on the marketin Douglas.
FHA
Active
19$284,900$15,896 down
- Rate
- 6.50%
6.95%today- Payment
- $1,732/mo
$1,813today
- 3beds
- 2baths
- 1,567sqft
2705 7TH Street, Douglas
FHA
Active
40$300,000$21,208 down
- Rate
- 6.74%
6.95%today- Payment
- $1,826/mo
$1,865today
- 3beds
- 2baths
- 1,607sqft
3751 CAMINO DEL RANCHO --, Douglas
FHA
Active
21$295,000$56,166 down
- Rate
- 6.95%
6.95%today- Payment
- $1,625/mo
$1,625today
- 4beds
- 3baths
- 2,698sqft
1561 10TH Street, Douglas
VA
Active
25$215,000$47,684 down
- Rate
- 6.27%
6.95%today- Payment
- $1,040/mo
$1,116today
- 4beds
- 2baths
- 1,514sqft
4585 VALLEY VISTA Avenue, Douglas
FHA
Active
10$179,900$44,294 down
- Rate
- 6.50%
6.95%today- Payment
- $875/mo
$916today
- 2beds
- 2baths
- 1,332sqft
2550 15th Street #403, Douglas
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 Douglas.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 7
- UMe Certified / verified
- 0
- Lowest rate
- 6.27%
- Median rate
- 6.50%
- Median list price
- $225,000
- Median cash to assume
- $47,684
Douglas listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up7 homes
Douglas listings by loan type
- FHA6 homesmedian 6.62%
- VA1 homemedian 6.27%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Douglas ZIP code.
Each ZIP opens the Douglas map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Douglas numbers
What an assumable ratedoes to a Douglas payment.
The sliders start at the median Douglas assumable listing: $225,000 list price and a 6.50% 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)$50,000
22% 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 Douglas
$1,164/mo
New loan at 7.20%$1,188
Assumed at 6.50%
$1,164
Every month$24
Over five years$1,456
Interest you never pay$64,59126-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 Douglas listing on UMe shows the actual balance, rate, and payment.
How it works in Douglas
How to assumea mortgage in Douglas.
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 Douglas home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Douglas 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 $47,684 in Douglas 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 Douglas payment written in a different decade.
Douglas questions
Assuming a mortgagein Douglas.
The numbers below come from current Douglas inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Douglas?
As of September 2026, UMe tracks 7 active assumable listings in Douglas. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Douglas?
Current Douglas inventory breaks down as FHA (6, median 6.62%) and VA (1, median 6.27%). 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 Douglas?
The lowest rate on an active Douglas assumable listing is 6.27%, and the median across all 7 listings is 6.50%. 0 listings are under 4% and 0 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 Douglas?
Across current Douglas listings, the median principal-and-interest payment on the assumable loan is $1,040 per month versus $1,181 for the same balance at today's rates, a difference of about $141 every month, or $1,691 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 Douglas?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Douglas that gap is currently a median of $47,684 on a median list price of $225,000. 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 Douglas ZIP codes have the most assumable homes?
The Douglas ZIP codes with the most active assumable listings are 85607 (7). 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 Douglas?
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 Douglas.The rate is already on the house.
Every listing on the Douglas map has a rate you can take over. Start with the ones in Douglas, get pre-qualified in minutes, and let UMe carry the assumption to closing.
