VATop pick
Active
52$159,900$5,435 down
- Rate
- 3.07%
6.95%today- Payment
- $732/mo
$1,139today
- 1beds
- 1baths
- 576sqft
Scottsdale, Arizona
Assumable homes for salein Scottsdale, Arizona.
43 homes in Scottsdale carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.27%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Scottsdale assumable market
by the numbers.
43active assumable listings
2.27%lowest locked rate
$825kmedian list price
$816saved per month vs. 7.2%
About the market
Assumable mortgagesin Scottsdale, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Scottsdale. Updated September 2026.
How assumptions work for buyersScottsdale, Arizona has 43 homes for sale with an assumable mortgage as of September 2026: 31 VA loans and 12 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 Scottsdale assumable listings start at 2.27% with a median of 3.81%; 22 listings are under 4% and 23 are under 5%.
The median assumable home in Scottsdale lists for $825,000, with a median of $309,838 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 $2,426 a month versus $3,242 for the same balance at today's rate, roughly $816 kept every month and $9,787 a year. The most active Scottsdale ZIP codes are 85254 (9), 85257 (8), 85255 (5), 85251 (4), and 85260 (4).
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 Scottsdale assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Scottsdale
View all 43 on the map Homes on the marketin Scottsdale.
FHA
Active
$188,100$20,787 down
- Rate
- 2.94%
6.95%today- Payment
- $805/mo
$1,273today
- 3beds
- 1baths
- 921sqft
1412 13TH Place, Phoenix
FHA
Active
28$264,900$51,103 down
- Rate
- 2.98%
6.95%today- Payment
- $1,012/mo
$1,592today
- 3beds
- 3baths
- 1,296sqft
2040 LONGMORE -- #70, Mesa
VA
Active
40$315,000$49,430 down
- Rate
- 3.01%
6.95%today- Payment
- $1,252/mo
$1,964today
- 2beds
- 2baths
- 976sqft
4902 HAZEL Drive #1, Phoenix
FHA
Active
26$325,000$31,426 down
- Rate
- 3.22%
6.95%today- Payment
- $1,405/mo
$2,145today
- 3beds
- 2baths
- 1,150sqft
1901 ENCINAS Lane, Phoenix
VA
Active
26$245,000$47,637 down
- Rate
- 3.05%
6.95%today- Payment
- $933/mo
$1,455today
- 2beds
- 2baths
- 918sqft
948 ALMA SCHOOL Road #13, Mesa
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 Scottsdale.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 43
- UMe Certified / verified
- 0
- Lowest rate
- 2.27%
- Median rate
- 3.81%
- Median list price
- $825,000
- Median cash to assume
- $309,838
Scottsdale listings by locked rate
- Under 4%22 homes
- 4% – 5%1 home
- 5% – 6%4 homes
- 6% and up16 homes
Scottsdale listings by loan type
- VA31 homesmedian 3.36%
- FHA12 homesmedian 6.30%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Scottsdale ZIP code.
Each ZIP opens the Scottsdale map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
- 85254
9 assumable homes
median 5.27% · $1,199,000
- 85257
8 assumable homes
median 6.20% · $667,000
- 85255
5 assumable homes
median 2.96% · $775,000
- 85251
4 assumable homes
median 3.21% · $322,500
- 85260
4 assumable homes
median 6.23% · $760,000
- 85262
4 assumable homes
median 4.46% · $1,199,400
- 85250
3 assumable homes
median 3.67% · $522,000
- 85258
3 assumable homes
median 6.10% · $675,000
Run the Scottsdale numbers
What an assumable ratedoes to a Scottsdale payment.
The sliders start at the median Scottsdale assumable listing: $825,000 list price and a 3.81% 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)$310,000
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 Scottsdale
$2,601/mo
New loan at 7.20%$3,496
Assumed at 3.80%
$2,601
Every month$895
Over five years$53,709
Interest you never pay$447,08526-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 Scottsdale listing on UMe shows the actual balance, rate, and payment.
How it works in Scottsdale
How to assumea mortgage in Scottsdale.
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 Scottsdale home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Scottsdale 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 $309,838 in Scottsdale 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 Scottsdale payment written in a different decade.
Scottsdale questions
Assuming a mortgagein Scottsdale.
The numbers below come from current Scottsdale inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Scottsdale?
As of September 2026, UMe tracks 43 active assumable listings in Scottsdale. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Scottsdale?
Current Scottsdale inventory breaks down as VA (31, median 3.36%) and FHA (12, median 6.30%). 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 Scottsdale?
The lowest rate on an active Scottsdale assumable listing is 2.27%, and the median across all 43 listings is 3.81%. 22 listings are under 4% and 23 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 Scottsdale?
Across current Scottsdale listings, the median principal-and-interest payment on the assumable loan is $2,426 per month versus $3,242 for the same balance at today's rates, a difference of about $816 every month, or $9,787 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 Scottsdale?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Scottsdale that gap is currently a median of $309,838 on a median list price of $825,000. 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 Scottsdale ZIP codes have the most assumable homes?
The Scottsdale ZIP codes with the most active assumable listings are 85254 (9), 85257 (8), 85255 (5), 85251 (4), and 85260 (4). 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 Scottsdale?
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 Scottsdale.The rate is already on the house.
Every listing on the Scottsdale map has a rate you can take over. Start with the ones in Scottsdale, get pre-qualified in minutes, and let UMe carry the assumption to closing.
