VATop pick
Active
52$159,900$5,435 down
- Rate
- 3.07%
6.95%today- Payment
- $732/mo
$1,139today
- 1beds
- 1baths
- 576sqft
Paradise Valley, Arizona
Assumable homes for salein Paradise Valley, Arizona.
1 home in Paradise Valley carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.04%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Paradise Valley assumable market
by the numbers.
1active assumable listing
3.04%lowest locked rate
$8,800kmedian list price
$3,075saved per month vs. 7.2%
About the market
Assumable mortgagesin Paradise Valley, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Paradise Valley. Updated September 2026.
How assumptions work for buyersParadise Valley, Arizona has 1 home for sale with an assumable mortgage as of September 2026: 1 VA loan 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 Paradise Valley assumable listings start at 3.04% with a median of 3.04%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Paradise Valley lists for $8,800,000, with a median of $7,824,838 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 $4,708 a month versus $7,783 for the same balance at today's rate, roughly $3,075 kept every month and $36,906 a year. The most active Paradise Valley ZIP codes are 85253 (1).
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 Paradise Valley assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Paradise Valley
View all 1 on the map Homes on the marketin Paradise Valley.
FHA
Active
$188,100$20,787 down
- Rate
- 2.94%
6.95%today- Payment
- $805/mo
$1,273today
- 3beds
- 1baths
- 921sqft
1412 13TH Place, Phoenix
FHA
Active
28$264,900$51,103 down
- Rate
- 2.98%
6.95%today- Payment
- $1,012/mo
$1,592today
- 3beds
- 3baths
- 1,296sqft
2040 LONGMORE -- #70, Mesa
VA
Active
40$315,000$49,430 down
- Rate
- 3.01%
6.95%today- Payment
- $1,252/mo
$1,964today
- 2beds
- 2baths
- 976sqft
4902 HAZEL Drive #1, Phoenix
FHA
Active
26$325,000$31,426 down
- Rate
- 3.22%
6.95%today- Payment
- $1,405/mo
$2,145today
- 3beds
- 2baths
- 1,150sqft
1901 ENCINAS Lane, Phoenix
VA
Active
26$245,000$47,637 down
- Rate
- 3.05%
6.95%today- Payment
- $933/mo
$1,455today
- 2beds
- 2baths
- 918sqft
948 ALMA SCHOOL Road #13, 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 Paradise Valley.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 3.04%
- Median rate
- 3.04%
- Median list price
- $8,800,000
- Median cash to assume
- $7,824,838
Paradise Valley listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Paradise Valley listings by loan type
- VA1 homemedian 3.04%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Paradise Valley ZIP code.
Each ZIP opens the Paradise Valley map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Paradise Valley numbers
What an assumable ratedoes to a Paradise Valley payment.
The sliders start at the median Paradise Valley assumable listing: $8,800,000 list price and a 3.04% 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)$7,825,000
89% 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 Paradise Valley
$4,530/mo
New loan at 7.20%$6,618
Assumed at 3.05%
$4,530
Every month$2,088
Over five years$125,297
Interest you never pay$969,21726-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 Paradise Valley listing on UMe shows the actual balance, rate, and payment.
How it works in Paradise Valley
How to assumea mortgage in Paradise Valley.
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 Paradise Valley home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Paradise Valley 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 $7,824,838 in Paradise Valley 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 Paradise Valley payment written in a different decade.
Paradise Valley questions
Assuming a mortgagein Paradise Valley.
The numbers below come from current Paradise Valley inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Paradise Valley?
As of September 2026, UMe tracks 1 active assumable listing in Paradise Valley. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Paradise Valley?
Current Paradise Valley inventory breaks down as VA (1, median 3.04%). 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 Paradise Valley?
The lowest rate on an active Paradise Valley assumable listing is 3.04%, and the median across all 1 listing is 3.04%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Paradise Valley?
Across current Paradise Valley listings, the median principal-and-interest payment on the assumable loan is $4,708 per month versus $7,783 for the same balance at today's rates, a difference of about $3,075 every month, or $36,906 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 Paradise Valley?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Paradise Valley that gap is currently a median of $7,824,838 on a median list price of $8,800,000. 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 Paradise Valley ZIP codes have the most assumable homes?
The Paradise Valley ZIP codes with the most active assumable listings are 85253 (1). 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 Paradise Valley?
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 Paradise Valley.The rate is already on the house.
Every listing on the Paradise Valley map has a rate you can take over. Start with the ones in Paradise Valley, get pre-qualified in minutes, and let UMe carry the assumption to closing.
