VA
Active
86$649,900$525,038 down
- Rate
- 2.66%
6.95%today- Payment
- $1,667/mo
$2,394today
- 3beds
- 3baths
- 2,424sqft
Pine, Arizona
Assumable homes for salein Pine, Arizona.
5 homes in Pine carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.67%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Pine assumable market
by the numbers.
5active assumable listings
3.67%lowest locked rate
$475kmedian list price
$203saved per month vs. 7.2%
About the market
Assumable mortgagesin Pine, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Pine. Updated September 2026.
How assumptions work for buyersPine, Arizona has 5 homes for sale with an assumable mortgage as of September 2026: 3 FHA loans and 2 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 Pine assumable listings start at 3.67% with a median of 5.41%; 1 listing is under 4% and 2 are under 5%.
The median assumable home in Pine lists for $474,900, with a median of $211,700 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 $1,998 a month versus $2,201 for the same balance at today's rate, roughly $203 kept every month and $2,434 a year. The most active Pine ZIP codes are 85544 (5).
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 Pine assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Pine
View all 5 on the map Homes on the marketin Pine.
FHA
Active
47$480,000$202,122 down
- Rate
- 2.68%
6.95%today- Payment
- $1,272/mo
$2,081today
- 3beds
- 3baths
- 2,174sqft
310 TRAILWOOD Road, Payson
FHA
Active
81$449,000$192,347 down
- Rate
- 2.68%
6.95%today- Payment
- $1,192/mo
$1,950today
- 3beds
- 4baths
- 2,096sqft
800 MONTANA Drive, Payson
VA
Active
53$615,000$447,801 down
- Rate
- 2.89%
6.95%today- Payment
- $800/mo
$1,274today
- 4beds
- 2baths
- 1,872sqft
5287 JUDY Lane, Strawberry
VA
Active
10$275,000$110,281 down
- Rate
- 3.11%
6.95%today- Payment
- $780/mo
$1,208today
- 2beds
- 2baths
- 1,334sqft
1103 BIRCHWOOD Road, Payson
FHA
Active
34$599,999$306,647 down
- Rate
- 3.33%
6.95%today- Payment
- $1,484/mo
$2,235today
- 5beds
- 3baths
- 2,395sqft
304 RYAN Drive, Payson
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 Pine.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 5
- UMe Certified / verified
- 0
- Lowest rate
- 3.67%
- Median rate
- 5.41%
- Median list price
- $474,900
- Median cash to assume
- $211,700
Pine listings by locked rate
- Under 4%1 home
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up2 homes
Pine listings by loan type
- FHA3 homesmedian 5.41%
- VA2 homesmedian 5.22%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Pine ZIP code.
Each ZIP opens the Pine map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Pine numbers
What an assumable ratedoes to a Pine payment.
The sliders start at the median Pine assumable listing: $474,900 list price and a 5.41% 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)$210,000
44% 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 Pine
$1,582/mo
New loan at 7.20%$1,799
Assumed at 5.40%
$1,582
Every month$216
Over five years$12,985
Interest you never pay$153,86226-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 Pine listing on UMe shows the actual balance, rate, and payment.
How it works in Pine
How to assumea mortgage in Pine.
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 Pine home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Pine 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 $211,700 in Pine 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 Pine payment written in a different decade.
Pine questions
Assuming a mortgagein Pine.
The numbers below come from current Pine inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Pine?
As of September 2026, UMe tracks 5 active assumable listings in Pine. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Pine?
Current Pine inventory breaks down as FHA (3, median 5.41%) and VA (2, median 5.22%). 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 Pine?
The lowest rate on an active Pine assumable listing is 3.67%, and the median across all 5 listings is 5.41%. 1 listing is 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 Pine?
Across current Pine listings, the median principal-and-interest payment on the assumable loan is $1,998 per month versus $2,201 for the same balance at today's rates, a difference of about $203 every month, or $2,434 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 Pine?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Pine that gap is currently a median of $211,700 on a median list price of $474,900. 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 Pine ZIP codes have the most assumable homes?
The Pine ZIP codes with the most active assumable listings are 85544 (5). 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 Pine?
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 Pine.The rate is already on the house.
Every listing on the Pine map has a rate you can take over. Start with the ones in Pine, get pre-qualified in minutes, and let UMe carry the assumption to closing.
