FHA
Active
31$275,000$56,408 down
- Rate
- 2.84%
6.95%today- Payment
- $1,014/mo
$1,625today
- 2beds
- 2baths
- 965sqft
Prescott, Arizona
Assumable homes for salein Prescott, Arizona.
42 homes in Prescott carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.25%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Prescott assumable market
by the numbers.
42active assumable listings
2.25%lowest locked rate
$550kmedian list price
$545saved per month vs. 7.2%
About the market
Assumable mortgagesin Prescott, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Prescott. Updated September 2026.
How assumptions work for buyersPrescott, Arizona has 42 homes for sale with an assumable mortgage as of September 2026: 28 VA loans and 14 FHA 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 Prescott assumable listings start at 2.25% with a median of 4.20%; 17 listings are under 4% and 25 are under 5%.
The median assumable home in Prescott lists for $550,000, with a median of $208,077 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 $2,017 a month versus $2,562 for the same balance at today's rate, roughly $545 kept every month and $6,534 a year. The most active Prescott ZIP codes are 86301 (16), 86303 (15), and 86305 (11).
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 Prescott assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Prescott
View all 42 on the map Homes on the marketin Prescott.
VA
Active
69$519,500$78,514 down
- Rate
- 3.45%
6.95%today- Payment
- $2,164/mo
$3,210today
- 4beds
- 2baths
- 1,765sqft
7682 RABBIT BRUSH Lane, Prescott Valley
VA
Active
69$519,500$78,514 down
- Rate
- 3.45%
6.95%today- Payment
- $2,164/mo
$3,210today
- 4beds
- 2baths
- 1,765sqft
7682 RABBIT BRUSH Lane, Prescott Valley
VA
Active
65$1,095,000$276,274 down
- Rate
- 2.25%
6.95%today- Payment
- $3,536/mo
$6,123today
- 5beds
- 4baths
- 3,541sqft
3015 Hozoni Road, Prescott
VA
Active
24$629,000$180,479 down
- Rate
- 3.07%
6.95%today- Payment
- $2,115/mo
$3,292today
- 3beds
- 3baths
- 2,407sqft
2 WOODSIDE Drive, Prescott
VA
Active
23$629,000$180,479 down
- Rate
- 3.07%
6.95%today- Payment
- $2,115/mo
$3,292today
- 3beds
- 3baths
- 2,407sqft
2 WOODSIDE Drive, Prescott
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 Prescott.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 42
- UMe Certified / verified
- 0
- Lowest rate
- 2.25%
- Median rate
- 4.20%
- Median list price
- $550,000
- Median cash to assume
- $208,077
Prescott listings by locked rate
- Under 4%17 homes
- 4% – 5%8 homes
- 5% – 6%6 homes
- 6% and up8 homes
Prescott listings by loan type
- VA28 homesmedian 3.57%
- FHA14 homesmedian 5.32%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Prescott ZIP code.
Each ZIP opens the Prescott map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Prescott numbers
What an assumable ratedoes to a Prescott payment.
The sliders start at the median Prescott assumable listing: $550,000 list price and a 4.20% 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
38% 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 Prescott
$1,793/mo
New loan at 7.20%$2,308
Assumed at 4.20%
$1,793
Every month$515
Over five years$30,913
Interest you never pay$271,52426-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 Prescott listing on UMe shows the actual balance, rate, and payment.
How it works in Prescott
How to assumea mortgage in Prescott.
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 Prescott home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Prescott 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 $208,077 in Prescott 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 Prescott payment written in a different decade.
Prescott questions
Assuming a mortgagein Prescott.
The numbers below come from current Prescott inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Prescott?
As of September 2026, UMe tracks 42 active assumable listings in Prescott. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Prescott?
Current Prescott inventory breaks down as VA (28, median 3.57%) and FHA (14, median 5.32%). 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 Prescott?
The lowest rate on an active Prescott assumable listing is 2.25%, and the median across all 42 listings is 4.20%. 17 listings are under 4% and 25 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 Prescott?
Across current Prescott listings, the median principal-and-interest payment on the assumable loan is $2,017 per month versus $2,562 for the same balance at today's rates, a difference of about $545 every month, or $6,534 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 Prescott?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Prescott that gap is currently a median of $208,077 on a median list price of $550,000. 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 Prescott ZIP codes have the most assumable homes?
The Prescott ZIP codes with the most active assumable listings are 86301 (16), 86303 (15), and 86305 (11). 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 Prescott?
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 Prescott.The rate is already on the house.
Every listing on the Prescott map has a rate you can take over. Start with the ones in Prescott, get pre-qualified in minutes, and let UMe carry the assumption to closing.
