VA
Active
11$409,999$89,296 down
- Rate
- 2.50%
6.95%today- Payment
- $1,442/mo
$2,416today
- 3beds
- 2baths
- 1,931sqft
El Mirage, Arizona
Assumable homes for salein El Mirage, Arizona.
20 homes in El Mirage carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.77%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
El Mirage assumable market
by the numbers.
20active assumable listings
2.77%lowest locked rate
$368kmedian list price
$432saved per month vs. 7.2%
About the market
Assumable mortgagesin El Mirage, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to El Mirage. Updated September 2026.
How assumptions work for buyersEl Mirage, Arizona has 20 homes for sale with an assumable mortgage as of September 2026: 17 FHA loans and 3 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 El Mirage assumable listings start at 2.77% with a median of 6.33%; 7 listings are under 4% and 7 are under 5%.
The median assumable home in El Mirage lists for $367,950, with a median of $96,776 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 $1,942 a month versus $2,374 for the same balance at today's rate, roughly $432 kept every month and $5,186 a year. The most active El Mirage ZIP codes are 85335 (20).
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 El Mirage assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in El Mirage
View all 20 on the map Homes on the marketin El Mirage.
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
Active
43$505,000$226,234 down
- Rate
- 2.25%
6.95%today- Payment
- $1,237/mo
$2,143today
- 5beds
- 2baths
- 2,684sqft
13041 ESTERO Lane, Litchfield Park
Active
56$1,175,000$774,086 down
- Rate
- 2.50%
6.95%today- Payment
- $1,807/mo
$3,028today
- 4beds
- 4baths
- 3,528sqft
5949 PINNACLE HILL Drive, Glendale
Active
28$410,000$28,874 down
- Rate
- 4.875%
6.95%today- Payment
- $2,096/mo
$2,622today
- 4beds
- 2baths
- 1,789sqft
18261 Poston Drive, Surprise
VA
Active
145$1,199,900$518,867 down
- Rate
- 3.75%
6.95%today- Payment
- $3,590/mo
$5,131today
- 4beds
- 4baths
- 3,935sqft
13621 TUCKEY Court, Glendale
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 El Mirage.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 20
- UMe Certified / verified
- 0
- Lowest rate
- 2.77%
- Median rate
- 6.33%
- Median list price
- $367,950
- Median cash to assume
- $96,776
El Mirage listings by locked rate
- Under 4%7 homes
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up12 homes
El Mirage listings by loan type
- FHA17 homesmedian 6.39%
- VA3 homesmedian 3.25%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby El Mirage ZIP code.
Each ZIP opens the El Mirage map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the El Mirage numbers
What an assumable ratedoes to an El Mirage payment.
The sliders start at the median El Mirage assumable listing: $367,950 list price and a 6.33% 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
27% 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 El Mirage
$1,770/mo
New loan at 7.20%$1,833
Assumed at 6.35%
$1,770
Every month$63
Over five years$3,777
Interest you never pay$107,61226-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 El Mirage listing on UMe shows the actual balance, rate, and payment.
How it works in El Mirage
How to assumea mortgage in El Mirage.
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 El Mirage home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the El Mirage 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 $96,776 in El Mirage 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 El Mirage payment written in a different decade.
El Mirage questions
Assuming a mortgagein El Mirage.
The numbers below come from current El Mirage inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in El Mirage?
As of September 2026, UMe tracks 20 active assumable listings in El Mirage. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in El Mirage?
Current El Mirage inventory breaks down as FHA (17, median 6.39%) and VA (3, median 3.25%). 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 El Mirage?
The lowest rate on an active El Mirage assumable listing is 2.77%, and the median across all 20 listings is 6.33%. 7 listings are under 4% and 7 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 El Mirage?
Across current El Mirage listings, the median principal-and-interest payment on the assumable loan is $1,942 per month versus $2,374 for the same balance at today's rates, a difference of about $432 every month, or $5,186 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 El Mirage?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In El Mirage that gap is currently a median of $96,776 on a median list price of $367,950. 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 El Mirage ZIP codes have the most assumable homes?
The El Mirage ZIP codes with the most active assumable listings are 85335 (20). 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 El Mirage?
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 El Mirage.The rate is already on the house.
Every listing on the El Mirage map has a rate you can take over. Start with the ones in El Mirage, get pre-qualified in minutes, and let UMe carry the assumption to closing.
