VA
Active
30$440,000$61,335 down
- Rate
- 2.87%
6.95%today- Payment
- $1,762/mo
$2,813today
- 3beds
- 2baths
- 2,852sqft
Huachuca City, Arizona
Assumable homes for salein Huachuca City, Arizona.
7 homes in Huachuca City carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.74%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Huachuca City assumable market
by the numbers.
7active assumable listings
2.74%lowest locked rate
$240kmedian list price
$520saved per month vs. 7.2%
About the market
Assumable mortgagesin Huachuca City, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Huachuca City. Updated September 2026.
How assumptions work for buyersHuachuca City, Arizona has 7 homes for sale with an assumable mortgage as of September 2026: 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 Huachuca City assumable listings start at 2.74% with a median of 5.68%; 2 listings are under 4% and 2 are under 5%.
The median assumable home in Huachuca City lists for $240,000, with a median of $123,401 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 $881 a month versus $1,401 for the same balance at today's rate, roughly $520 kept every month and $6,236 a year. The most active Huachuca City ZIP codes are 85616 (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 Huachuca City assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Huachuca City
View all 7 on the map Homes on the marketin Huachuca City.
VA
Active
35$370,000$47,057 down
- Rate
- 3.07%
6.95%today- Payment
- $1,523/mo
$2,370today
- 4beds
- 2baths
- 2,018sqft
1594 Mission Viejo Drive, Sierra Vista
FHA
Active
44$310,000$93,531 down
- Rate
- 2.87%
6.95%today- Payment
- $1,010/mo
$1,612today
- 3beds
- 2baths
- 1,632sqft
1261 QUESTA Court, Sierra Vista
VA
Active
19$335,000$85,813 down
- Rate
- 2.88%
6.95%today- Payment
- $1,158/mo
$1,847today
- 3beds
- 2baths
- 1,803sqft
1790 KNOWLTON Street, Sierra Vista
VA
Active
51$279,000$79,107 down
- Rate
- 2.96%
6.95%today- Payment
- $944/mo
$1,489today
- 3beds
- 2baths
- 1,499sqft
556 CAMINO DE TUNDRA --, Huachuca City
VA
Active
29$280,000Potential short sale
- Rate
- 4.00%
6.95%today- Payment
- $1,414/mo
$1,961today
- 3beds
- 2baths
- 1,720sqft
4850 FOOTHILLS Drive, Sierra Vista
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 Huachuca City.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 7
- UMe Certified / verified
- 0
- Lowest rate
- 2.74%
- Median rate
- 5.68%
- Median list price
- $240,000
- Median cash to assume
- $123,401
Huachuca City listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%2 homes
- 6% and up2 homes
Huachuca City listings by loan type
- VA7 homesmedian 5.68%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Huachuca City ZIP code.
Each ZIP opens the Huachuca City map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Huachuca City numbers
What an assumable ratedoes to a Huachuca City payment.
The sliders start at the median Huachuca City assumable listing: $240,000 list price and a 5.68% 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)$125,000
52% 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 Huachuca City
$708/mo
New loan at 7.20%$781
Assumed at 5.70%
$708
Every month$73
Over five years$4,383
Interest you never pay$60,25926-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 Huachuca City listing on UMe shows the actual balance, rate, and payment.
How it works in Huachuca City
How to assumea mortgage in Huachuca City.
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 Huachuca City home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Huachuca City 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 $123,401 in Huachuca City 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 Huachuca City payment written in a different decade.
Huachuca City questions
Assuming a mortgagein Huachuca City.
The numbers below come from current Huachuca City inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Huachuca City?
As of September 2026, UMe tracks 7 active assumable listings in Huachuca City. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Huachuca City?
Current Huachuca City inventory breaks down as VA (7, median 5.68%). 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 Huachuca City?
The lowest rate on an active Huachuca City assumable listing is 2.74%, and the median across all 7 listings is 5.68%. 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 Huachuca City?
Across current Huachuca City listings, the median principal-and-interest payment on the assumable loan is $881 per month versus $1,401 for the same balance at today's rates, a difference of about $520 every month, or $6,236 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 Huachuca City?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Huachuca City that gap is currently a median of $123,401 on a median list price of $240,000. 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 Huachuca City ZIP codes have the most assumable homes?
The Huachuca City ZIP codes with the most active assumable listings are 85616 (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 Huachuca City?
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 Huachuca City.The rate is already on the house.
Every listing on the Huachuca City map has a rate you can take over. Start with the ones in Huachuca City, get pre-qualified in minutes, and let UMe carry the assumption to closing.
