Active
32$425,000$68,762 down
- Rate
- 5.125%
6.95%today- Payment
- $2,038/mo
$2,478today
- 4beds
- 3baths
- 2,048sqft
Palo Verde, Arizona
Assumable homes for salein Palo Verde, Arizona.
An assumable mortgage lets you take over a seller’s existing low-rate FHA, VA, or USDA loan instead of financing at today’s 7.2%. These are the ones we verify in Palo Verde.
Live MLS data · Updated
Palo Verde assumable market
by the numbers.
6active assumable listings
3.26%average locked rate
$331ktypical list price
$644saved per month vs. 7.2%
About the market
Assumable mortgagesin Palo Verde, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Palo Verde. Updated September 2026.
How assumptions work for buyersAs of September 2026, UMe has no verified assumable listings in Palo Verde. That changes quickly: assumable homes come on the market every week across Arizona as sellers with FHA, VA, and USDA loans written at 2% to 5% decide to move. Save a Palo Verde search on the map and we will email you the moment one lands.
An assumable mortgage lets a qualified buyer take over the seller's existing loan, keeping the original rate, balance, and remaining term instead of financing at today's roughly 7.2%. FHA, VA, and USDA loans are assumable by law; conventional loans almost never are. UMe confirms the loan terms with the listing agent, runs the assumption with the servicer, and connects buyers with lenders who write second loans behind an assumption when the seller's equity is more than their cash.
Verified in Palo Verde
Homes on the marketin Palo Verde.
FHA
Active
30$329,000$57,892 down
- Rate
- 2.74%
6.95%today- Payment
- $1,261/mo
$2,047today
- 4beds
- 3baths
- 2,485sqft
25519 CROWN KING Road, Buckeye
FHA
Active
18$239,750$24,284 down
- Rate
- 2.81%
6.95%today- Payment
- $1,010/mo
$1,625today
- 5beds
- 3baths
- 2,082sqft
13708 337TH Avenue, Arlington
FHA
Active
30$308,900$38,625 down
- Rate
- 2.88%
6.95%today- Payment
- $1,268/mo
$2,021today
- 3beds
- 2baths
- 1,310sqft
23996 BOWKER Street, Buckeye
FHA
Active
21$330,000$51,486 down
- Rate
- 2.96%
6.95%today- Payment
- $1,318/mo
$2,080today
- 3beds
- 2baths
- 1,656sqft
7283 253RD Avenue, Buckeye
FHA
Active
43$356,000$33,450 down
- Rate
- 3.07%
6.95%today- Payment
- $1,525/mo
$2,372today
- 4beds
- 3baths
- 1,920sqft
23340 COCOPAH Street, Buckeye
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.
Run the Palo Verde numbers
What an assumable ratedoes to a Palo Verde payment.
The sliders start at the median Palo Verde assumable listing: $331,442 list price and a 3.26% 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)$65,000
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 Palo Verde
$1,259/mo
New loan at 7.20%$1,799
Assumed at 3.25%
$1,259
Every month$540
Over five years$32,373
Interest you never pay$254,68026-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 Palo Verde listing on UMe shows the actual balance, rate, and payment.
How it works in Palo Verde
How to assumea mortgage in Palo Verde.
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 Palo Verde home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Palo Verde 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. 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 Palo Verde payment written in a different decade.
Palo Verde questions
Assuming a mortgagein Palo Verde.
The numbers below come from current Palo Verde inventory and update as listings change.
All assumption FAQsAre there assumable homes for sale in Palo Verde?
As of September 2026, there are no verified assumable listings in Palo Verde. New assumable homes appear every week across Arizona; save a search on the map and we will email you when one lands in Palo Verde.
What types of loans can be assumed in Palo Verde?
FHA, VA, and USDA mortgages are assumable by law and make up nearly all assumable listings in Arizona. Conventional loans usually include a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan.
How long does a mortgage assumption take in Palo Verde?
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 Palo Verde.The rate is already on the house.
Every listing on the Palo Verde map has a rate you can take over. Start with the ones in Palo Verde, get pre-qualified in minutes, and let UMe carry the assumption to closing.
