Active
21$674,999$155,905 down
- Rate
- 3.125%
6.95%today- Payment
- $2,485/mo
$3,839today
- 4beds
- 4baths
- 2,924sqft
Gold Canyon, Arizona
Assumable homes for salein Gold Canyon, Arizona.
14 homes in Gold Canyon carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.96%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Gold Canyon assumable market
by the numbers.
14active assumable listings
2.96%lowest locked rate
$412kmedian list price
$408saved per month vs. 7.2%
About the market
Assumable mortgagesin Gold Canyon, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Gold Canyon. Updated September 2026.
How assumptions work for buyersGold Canyon, Arizona has 14 homes for sale with an assumable mortgage as of September 2026: 8 VA loans and 6 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 Gold Canyon assumable listings start at 2.96% with a median of 6.25%; 6 listings are under 4% and 6 are under 5%.
The median assumable home in Gold Canyon lists for $412,450, with a median of $52,475 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 $2,287 a month versus $2,695 for the same balance at today's rate, roughly $408 kept every month and $4,898 a year. The most active Gold Canyon ZIP codes are 85118 (14).
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 Gold Canyon assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Gold Canyon
View all 14 on the map Homes on the marketin Gold Canyon.
VATop pick
Active
41$515,000$43,555 down
- Rate
- 3.05%
6.95%today- Payment
- $2,223/mo
$3,469today
- 4beds
- 3baths
- 2,315sqft
728 MAGENA Drive, San Tan Valley
VA
Active
21$399,900$78,621 down
- Rate
- 2.78%
6.95%today- Payment
- $1,487/mo
$2,402today
- 4beds
- 2baths
- 1,819sqft
3982 SIDESADDLE Road, San Tan Valley
VA
Active
91$699,000$115,610 down
- Rate
- 2.90%
6.95%today- Payment
- $2,694/mo
$4,284today
- 2beds
- 4baths
- 2,304sqft
35818 POMELO Trail, Queen Creek
FHA
Active
24$349,900$53,980 down
- Rate
- 2.96%
6.95%today- Payment
- $1,400/mo
$2,210today
- 4beds
- 3baths
- 1,961sqft
1562 DESERT VIEW Place, Apache Junction
FHA
Active
18$409,900$77,242 down
- Rate
- 2.96%
6.95%today- Payment
- $1,571/mo
$2,479today
- 4beds
- 3baths
- 1,540sqft
11066 ABILENE Avenue, Mesa
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 Gold Canyon.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 14
- UMe Certified / verified
- 0
- Lowest rate
- 2.96%
- Median rate
- 6.25%
- Median list price
- $412,450
- Median cash to assume
- $52,475
Gold Canyon listings by locked rate
- Under 4%6 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up8 homes
Gold Canyon listings by loan type
- VA8 homesmedian 5.06%
- FHA6 homesmedian 6.52%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Gold Canyon ZIP code.
Each ZIP opens the Gold Canyon map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Gold Canyon numbers
What an assumable ratedoes to a Gold Canyon payment.
The sliders start at the median Gold Canyon assumable listing: $412,450 list price and a 6.25% 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
12% 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 Gold Canyon
$2,337/mo
New loan at 7.20%$2,444
Assumed at 6.25%
$2,337
Every month$106
Over five years$6,389
Interest you never pay$150,51626-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 Gold Canyon listing on UMe shows the actual balance, rate, and payment.
How it works in Gold Canyon
How to assumea mortgage in Gold Canyon.
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 Gold Canyon home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Gold Canyon 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 $52,475 in Gold Canyon 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 Gold Canyon payment written in a different decade.
Gold Canyon questions
Assuming a mortgagein Gold Canyon.
The numbers below come from current Gold Canyon inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Gold Canyon?
As of September 2026, UMe tracks 14 active assumable listings in Gold Canyon. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Gold Canyon?
Current Gold Canyon inventory breaks down as VA (8, median 5.06%) and FHA (6, median 6.52%). 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 Gold Canyon?
The lowest rate on an active Gold Canyon assumable listing is 2.96%, and the median across all 14 listings is 6.25%. 6 listings are under 4% and 6 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 Gold Canyon?
Across current Gold Canyon listings, the median principal-and-interest payment on the assumable loan is $2,287 per month versus $2,695 for the same balance at today's rates, a difference of about $408 every month, or $4,898 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 Gold Canyon?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Gold Canyon that gap is currently a median of $52,475 on a median list price of $412,450. 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 Gold Canyon ZIP codes have the most assumable homes?
The Gold Canyon ZIP codes with the most active assumable listings are 85118 (14). 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 Gold Canyon?
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 Gold Canyon.The rate is already on the house.
Every listing on the Gold Canyon map has a rate you can take over. Start with the ones in Gold Canyon, get pre-qualified in minutes, and let UMe carry the assumption to closing.
