VA
Active
58$700,000$297,506 down
- Rate
- 2.875%
6.95%today- Payment
- $1,891/mo
$3,017today
- 4beds
- 3baths
- 2,543sqft
San Tan Valley, Arizona
Assumable homes for salein San Tan Valley, Arizona.
141 homes in San Tan Valley carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.74%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
San Tan Valley assumable market
by the numbers.
141active assumable listings
2.74%lowest locked rate
$410kmedian list price
$347saved per month vs. 7.2%
About the market
Assumable mortgagesin San Tan Valley, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to San Tan Valley. Updated September 2026.
How assumptions work for buyersSan Tan Valley, Arizona has 141 homes for sale with an assumable mortgage as of September 2026: 87 FHA loans and 53 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 San Tan Valley assumable listings start at 2.74% with a median of 6.26%; 44 listings are under 4% and 56 are under 5%.
The median assumable home in San Tan Valley lists for $410,000, with a median of $77,880 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 $2,208 a month versus $2,555 for the same balance at today's rate, roughly $347 kept every month and $4,170 a year. The most active San Tan Valley ZIP codes are 85143 (65), 85140 (48), and 85144 (28).
2 listings in San Tan Valley are UMe Certified, meaning the balance, rate, and assumability have been confirmed with the listing agent. 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 San Tan Valley assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in San Tan Valley
View all 141 on the map Homes on the marketin San Tan Valley.
Active
21$674,999$155,905 down
- Rate
- 3.125%
6.95%today- Payment
- $2,485/mo
$3,839today
- 4beds
- 4baths
- 2,924sqft
40641 BARRED Place, San Tan Valley
FHATop pick
Active
26$370,000$37,137 down
- Rate
- 2.87%
6.95%today- Payment
- $1,553/mo
$2,479today
- 4beds
- 3baths
- 1,975sqft
157 DESERT VISTA Trail, San Tan Valley
VATop pick
Active
41$515,000$43,555 down
- Rate
- 3.05%
6.95%today- Payment
- $2,223/mo
$3,469today
- 4beds
- 3baths
- 2,315sqft
728 MAGENA Drive, San Tan Valley
FHATop pick
Active
17$255,000$26,122 down
- Rate
- 3.07%
6.95%today- Payment
- $1,082/mo
$1,683today
- 3beds
- 2baths
- 1,157sqft
2300 MAGMA Road #167, San Tan Valley
VATop pick
Active
60$389,000$33,949 down
- Rate
- 3.07%
6.95%today- Payment
- $1,678/mo
$2,611today
- 3beds
- 2baths
- 1,773sqft
29954 LITTLE LEAF Drive, San Tan Valley
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 San Tan Valley.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 141
- UMe Certified / verified
- 2
- Lowest rate
- 2.74%
- Median rate
- 6.26%
- Median list price
- $410,000
- Median cash to assume
- $77,880
San Tan Valley listings by locked rate
- Under 4%44 homes
- 4% – 5%12 homes
- 5% – 6%8 homes
- 6% and up75 homes
San Tan Valley listings by loan type
- FHA87 homesmedian 6.26%
- VA53 homesmedian 6.21%
- Other1 homemedian 3.13%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby San Tan Valley ZIP code.
Each ZIP opens the San Tan Valley map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the San Tan Valley numbers
What an assumable ratedoes to a San Tan Valley payment.
The sliders start at the median San Tan Valley assumable listing: $410,000 list price and a 6.26% 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)$80,000
20% 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 San Tan Valley
$2,142/mo
New loan at 7.20%$2,240
Assumed at 6.25%
$2,142
Every month$98
Over five years$5,856
Interest you never pay$137,97326-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 San Tan Valley listing on UMe shows the actual balance, rate, and payment.
How it works in San Tan Valley
How to assumea mortgage in San Tan 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 San Tan Valley home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the San Tan 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 $77,880 in San Tan 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 San Tan Valley payment written in a different decade.
San Tan Valley questions
Assuming a mortgagein San Tan Valley.
The numbers below come from current San Tan Valley inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in San Tan Valley?
As of September 2026, UMe tracks 141 active assumable listings in San Tan Valley. 2 of them are UMe Certified, meaning the loan balance, rate, and assumability have been confirmed with the listing agent. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in San Tan Valley?
Current San Tan Valley inventory breaks down as FHA (87, median 6.26%), VA (53, median 6.21%), and Other (1, median 3.13%). 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 San Tan Valley?
The lowest rate on an active San Tan Valley assumable listing is 2.74%, and the median across all 141 listings is 6.26%. 44 listings are under 4% and 56 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 San Tan Valley?
Across current San Tan Valley listings, the median principal-and-interest payment on the assumable loan is $2,208 per month versus $2,555 for the same balance at today's rates, a difference of about $347 every month, or $4,170 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 San Tan Valley?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In San Tan Valley that gap is currently a median of $77,880 on a median list price of $410,000. 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 San Tan Valley ZIP codes have the most assumable homes?
The San Tan Valley ZIP codes with the most active assumable listings are 85143 (65), 85140 (48), and 85144 (28). 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 San Tan 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 San Tan Valley.The rate is already on the house.
Every listing on the San Tan Valley map has a rate you can take over. Start with the ones in San Tan Valley, get pre-qualified in minutes, and let UMe carry the assumption to closing.
