FHA
Active
42$275,000$51,210 down
- Rate
- 3.02%
6.95%today- Payment
- $1,071/mo
$1,677today
- 3beds
- 2baths
- 1,541sqft
Queen Valley, Arizona
Assumable homes for salein Queen Valley, Arizona.
3 homes in Queen Valley carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.45%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Queen Valley assumable market
by the numbers.
3active assumable listings
3.45%lowest locked rate
$225kmedian list price
$84saved per month vs. 7.2%
About the market
Assumable mortgagesin Queen Valley, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Queen Valley. Updated August 2026.
How assumptions work for buyersQueen Valley, Arizona has 3 homes for sale with an assumable mortgage as of August 2026: 2 FHA loans and 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 Queen Valley assumable listings start at 3.45% with a median of 6.46%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Queen Valley lists for $225,000, with a median of $60,746 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 $1,094 a month versus $1,178 for the same balance at today's rate, roughly $84 kept every month and $1,008 a year. The most active Queen Valley ZIP codes are 85118 (3).
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 Queen Valley assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Queen Valley
View all 3 on the map Homes on the marketin Queen Valley.
VA
Active
39$570,000$114,545 down
- Rate
- 3.45%
6.95%today- Payment
- $2,231/mo
$3,309today
- 4beds
- 3baths
- 2,231sqft
7521 WOODCHUTE Drive, Gold Canyon
FHA
Active
27$369,900$189,849 down
- Rate
- 3.03%
6.95%today- Payment
- $878/mo
$1,374today
- 3beds
- 2baths
- 1,299sqft
10553 TORTILLA CREEK Court, Gold Canyon
FHA
Active
22$214,900$66,699 down
- Rate
- 3.45%
6.95%today- Payment
- $727/mo
$1,079today
- 2beds
- 2baths
- 1,057sqft
84 RITA Avenue, Queen Valley
FHA
Active
34$328,900$8,261 down
- Rate
- 6.28%
6.95%today- Payment
- $2,062/mo
$2,210today
- 4beds
- 3baths
- 1,914sqft
29910 JUNIPER Drive, Florence
VA
Active
54$499,900Potential short sale
- Rate
- 6.50%
6.95%today- Payment
- $3,318/mo
$3,475today
- 3beds
- 2baths
- 2,029sqft
8177 BULL DOG Court, Gold Canyon
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 Queen Valley.
Live counts from the MLS feeds we index for Arizona. Updated August 2026.
- Active listings
- 3
- UMe Certified / verified
- 0
- Lowest rate
- 3.45%
- Median rate
- 6.46%
- Median list price
- $225,000
- Median cash to assume
- $60,746
Queen Valley listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up2 homes
Queen Valley listings by loan type
- FHA2 homesmedian 5.12%
- VA1 homemedian 6.46%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Queen Valley ZIP code.
Each ZIP opens the Queen Valley map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Queen Valley numbers
What an assumable ratedoes to a Queen Valley payment.
The sliders start at the median Queen Valley assumable listing: $225,000 list price and a 6.46% 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)$60,000
27% 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 Queen Valley
$1,092/mo
New loan at 7.20%$1,120
Assumed at 6.45%
$1,092
Every month$28
Over five years$1,686
Interest you never pay$62,52526-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 Queen Valley listing on UMe shows the actual balance, rate, and payment.
How it works in Queen Valley
How to assumea mortgage in Queen 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 Queen Valley home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Queen 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 $60,746 in Queen 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 Queen Valley payment written in a different decade.
Queen Valley questions
Assuming a mortgagein Queen Valley.
The numbers below come from current Queen Valley inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Queen Valley?
As of August 2026, UMe tracks 3 active assumable listings in Queen 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 Queen Valley?
Current Queen Valley inventory breaks down as FHA (2, median 5.12%) and VA (1, median 6.46%). 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 Queen Valley?
The lowest rate on an active Queen Valley assumable listing is 3.45%, and the median across all 3 listings is 6.46%. 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 Queen Valley?
Across current Queen Valley listings, the median principal-and-interest payment on the assumable loan is $1,094 per month versus $1,178 for the same balance at today's rates, a difference of about $84 every month, or $1,008 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 Queen Valley?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Queen Valley that gap is currently a median of $60,746 on a median list price of $225,000. 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 Queen Valley ZIP codes have the most assumable homes?
The Queen Valley ZIP codes with the most active assumable listings are 85118 (3). 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 Queen 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 Queen Valley.The rate is already on the house.
Every listing on the Queen Valley map has a rate you can take over. Start with the ones in Queen Valley, get pre-qualified in minutes, and let UMe carry the assumption to closing.
