FHA
Active
38$349,999$17,161 down
- Rate
- 4.50%
6.95%today- Payment
- $1,736/mo
$2,268today
- 4beds
- 2baths
- 1,562sqft
Red Rock, Arizona
Assumable homes for salein Red Rock, Arizona.
1 home in Red Rock carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.82%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Red Rock assumable market
by the numbers.
1active assumable listing
3.82%lowest locked rate
$295kmedian list price
$552saved per month vs. 7.2%
About the market
Assumable mortgagesin Red Rock, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Red Rock. Updated September 2026.
How assumptions work for buyersRed Rock, 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 Red Rock assumable listings start at 3.82% with a median of 3.82%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Red Rock lists for $295,000, with a median of $92,843 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 $1,104 a month versus $1,656 for the same balance at today's rate, roughly $552 kept every month and $6,624 a year. The most active Red Rock ZIP codes are 85145 (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 Red Rock assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Red Rock
View all 1 on the map Homes on the marketin Red Rock.
FHA
Active
39$349,999$17,161 down
- Rate
- 4.50%
6.95%today- Payment
- $1,736/mo
$2,268today
- 4beds
- 2baths
- 1,562sqft
11985 Rodeo Trail, Marana
VA
Active
12$295,000$92,384 down
- Rate
- 3.82%
6.95%today- Payment
- $1,104/mo
$1,565today
- 6beds
- 4baths
- 3,405sqft
34360 MINER Road, Red Rock
FHA
Active
36$450,000$315,531 down
- Rate
- 3.70%
6.95%today- Payment
- $827/mo
$1,189today
- 4beds
- 2baths
- 2,338sqft
11322 SMOOTH PUMICE Street, Marana
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 Red Rock.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 3.82%
- Median rate
- 3.82%
- Median list price
- $295,000
- Median cash to assume
- $92,843
Red Rock listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Red Rock listings by loan type
- VA1 homemedian 3.82%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Red Rock ZIP code.
Each ZIP opens the Red Rock map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Red Rock numbers
What an assumable ratedoes to a Red Rock payment.
The sliders start at the median Red Rock assumable listing: $295,000 list price and a 3.82% 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)$95,000
32% 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 Red Rock
$1,010/mo
New loan at 7.20%$1,358
Assumed at 3.80%
$1,010
Every month$348
Over five years$20,858
Interest you never pay$173,62526-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 Red Rock listing on UMe shows the actual balance, rate, and payment.
How it works in Red Rock
How to assumea mortgage in Red Rock.
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 Red Rock home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Red Rock 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 $92,843 in Red Rock 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 Red Rock payment written in a different decade.
Red Rock questions
Assuming a mortgagein Red Rock.
The numbers below come from current Red Rock inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Red Rock?
As of September 2026, UMe tracks 1 active assumable listing in Red Rock. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Red Rock?
Current Red Rock inventory breaks down as VA (1, median 3.82%). 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 Red Rock?
The lowest rate on an active Red Rock assumable listing is 3.82%, and the median across all 1 listing is 3.82%. 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 Red Rock?
Across current Red Rock listings, the median principal-and-interest payment on the assumable loan is $1,104 per month versus $1,656 for the same balance at today's rates, a difference of about $552 every month, or $6,624 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 Red Rock?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Red Rock that gap is currently a median of $92,843 on a median list price of $295,000. 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 Red Rock ZIP codes have the most assumable homes?
The Red Rock ZIP codes with the most active assumable listings are 85145 (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 Red Rock?
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 Red Rock.The rate is already on the house.
Every listing on the Red Rock map has a rate you can take over. Start with the ones in Red Rock, get pre-qualified in minutes, and let UMe carry the assumption to closing.
