Active
31$350,000$32,566 down
- Rate
- 5.50%
6.95%today- Payment
- $1,901/mo
$2,216today
- 5beds
- 3baths
- 2,032sqft
Maricopa, Arizona
Assumable homes for salein Maricopa, Arizona.
149 homes in Maricopa carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.15%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Maricopa assumable market
by the numbers.
149active assumable listings
2.15%lowest locked rate
$348kmedian list price
$533saved per month vs. 7.2%
About the market
Assumable mortgagesin Maricopa, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Maricopa. Updated September 2026.
How assumptions work for buyersMaricopa, Arizona has 149 homes for sale with an assumable mortgage as of September 2026: 109 FHA loans and 39 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 Maricopa assumable listings start at 2.15% with a median of 5.16%; 56 listings are under 4% and 70 are under 5%.
The median assumable home in Maricopa lists for $347,900, with a median of $66,393 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 $1,599 a month versus $2,132 for the same balance at today's rate, roughly $533 kept every month and $6,401 a year. The most active Maricopa ZIP codes are 85138 (116) and 85139 (33).
2 listings in Maricopa are UMe Certified, meaning the balance, rate, and assumability have been confirmed with the listing agent. 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 Maricopa assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Maricopa
View all 149 on the map Homes on the marketin Maricopa.
FHA
Active
33$305,000$6,315 down
- Rate
- 6.875%
6.95%today- Payment
- $2,000/mo
$2,015today
- 3beds
- 2baths
- 1,433sqft
19090 SILVER DOG Way, Maricopa
FHATop pick
Active
34$409,000$25,228 down
- Rate
- 2.50%
6.95%today- Payment
- $1,583/mo
$2,652today
- 4beds
- 3baths
- 2,257sqft
36540 LEONESSA Avenue, Maricopa
FHATop pick
Active
40$171,600Potential short sale
- Rate
- 3.10%
6.95%today- Payment
- $1,093/mo
$1,695today
- 3beds
- 2baths
- 1,206sqft
52989 CENTURY Road, Maricopa
FHATop pick
Active
35$304,730$27,281 down
- Rate
- 2.84%
6.95%today- Payment
- $1,287/mo
$2,062today
- 3beds
- 2baths
- 1,369sqft
36131 SEVILLE Drive, Maricopa
FHATop pick
Active
40$350,000$26,399 down
- Rate
- 2.98%
6.95%today- Payment
- $1,528/mo
$2,405today
- 4beds
- 3baths
- 2,210sqft
42132 MANDERAS Lane, Maricopa
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 Maricopa.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 149
- UMe Certified / verified
- 2
- Lowest rate
- 2.15%
- Median rate
- 5.16%
- Median list price
- $347,900
- Median cash to assume
- $66,393
Maricopa listings by locked rate
- Under 4%56 homes
- 4% – 5%14 homes
- 5% – 6%8 homes
- 6% and up64 homes
Maricopa listings by loan type
- FHA109 homesmedian 6.14%
- VA39 homesmedian 3.69%
- Other1 homemedian 5.50%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Maricopa ZIP code.
Each ZIP opens the Maricopa map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Maricopa numbers
What an assumable ratedoes to a Maricopa payment.
The sliders start at the median Maricopa assumable listing: $347,900 list price and a 5.16% 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)$70,000
20% 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 Maricopa
$1,630/mo
New loan at 7.20%$1,901
Assumed at 5.15%
$1,630
Every month$270
Over five years$16,226
Interest you never pay$175,60426-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 Maricopa listing on UMe shows the actual balance, rate, and payment.
How it works in Maricopa
How to assumea mortgage in Maricopa.
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 Maricopa home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Maricopa 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 $66,393 in Maricopa 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 Maricopa payment written in a different decade.
Maricopa questions
Assuming a mortgagein Maricopa.
The numbers below come from current Maricopa inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Maricopa?
As of September 2026, UMe tracks 149 active assumable listings in Maricopa. 2 of them are UMe Certified, meaning the loan balance, rate, and assumability have been confirmed with the listing agent. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Maricopa?
Current Maricopa inventory breaks down as FHA (109, median 6.14%), VA (39, median 3.69%), and Other (1, median 5.50%). 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 Maricopa?
The lowest rate on an active Maricopa assumable listing is 2.15%, and the median across all 149 listings is 5.16%. 56 listings are under 4% and 70 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 Maricopa?
Across current Maricopa listings, the median principal-and-interest payment on the assumable loan is $1,599 per month versus $2,132 for the same balance at today's rates, a difference of about $533 every month, or $6,401 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 Maricopa?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Maricopa that gap is currently a median of $66,393 on a median list price of $347,900. 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 Maricopa ZIP codes have the most assumable homes?
The Maricopa ZIP codes with the most active assumable listings are 85138 (116) and 85139 (33). 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 Maricopa?
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 Maricopa.The rate is already on the house.
Every listing on the Maricopa map has a rate you can take over. Start with the ones in Maricopa, get pre-qualified in minutes, and let UMe carry the assumption to closing.
