FHA
Active
31$299,900$162,863 down
- Rate
- 2.81%
6.95%today- Payment
- $642/mo
$1,033today
- 3beds
- 2baths
- 1,281sqft
Show Low, Arizona
Assumable homes for salein Show Low, Arizona.
12 homes in Show Low carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.81%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Show Low assumable market
by the numbers.
12active assumable listings
2.81%lowest locked rate
$374kmedian list price
$144saved per month vs. 7.2%
About the market
Assumable mortgagesin Show Low, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Show Low. Updated September 2026.
How assumptions work for buyersShow Low, Arizona has 12 homes for sale with an assumable mortgage as of September 2026: 7 VA loans and 5 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 Show Low assumable listings start at 2.81% with a median of 6.50%; 2 listings are under 4% and 2 are under 5%.
The median assumable home in Show Low lists for $374,450, with a median of $93,860 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 $1,700 a month versus $1,844 for the same balance at today's rate, roughly $144 kept every month and $1,729 a year. The most active Show Low ZIP codes are 85901 (12).
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 Show Low assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Show Low
View all 12 on the map Homes on the marketin Show Low.
FHA
Active
24$149,000$96,454 down
- Rate
- 2.93%
6.95%today- Payment
- $246/mo
$390today
- 1beds
- 1baths
- 673sqft
640 43RD Avenue, Show Low
VA
Active
51$1,070,000$443,877 down
- Rate
- 3.51%
6.95%today- Payment
- $3,087/mo
$4,545today
- 5beds
- 4baths
- 3,519sqft
6019 RIM Road, Lakeside
VA
Active
50$539,900$41,912 down
- Rate
- 6.26%
6.95%today- Payment
- $3,090/mo
$3,319today
- 3beds
- 2baths
- 2,177sqft
7082 TUMBLEWEED Trail, Show Low
VA
Active
70$399,900$21,268 down
- Rate
- 6.50%
6.95%today- Payment
- $2,435/mo
$2,550today
- 3beds
- 2baths
- 1,668sqft
601 MILLS --, Show Low
FHA
Active
10$309,000$30,772 down
- Rate
- 6.50%
6.95%today- Payment
- $1,775/mo
$1,859today
- 3beds
- 2baths
- 1,200sqft
2716 OWENS Street, Show Low
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 Show Low.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 12
- UMe Certified / verified
- 0
- Lowest rate
- 2.81%
- Median rate
- 6.50%
- Median list price
- $374,450
- Median cash to assume
- $93,860
Show Low listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up10 homes
Show Low listings by loan type
- VA7 homesmedian 6.60%
- FHA5 homesmedian 6.34%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Show Low ZIP code.
Each ZIP opens the Show Low map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Show Low numbers
What an assumable ratedoes to a Show Low payment.
The sliders start at the median Show Low assumable listing: $374,450 list price and a 6.50% 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
25% 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 Show Low
$1,862/mo
New loan at 7.20%$1,901
Assumed at 6.50%
$1,862
Every month$39
Over five years$2,330
Interest you never pay$103,34626-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 Show Low listing on UMe shows the actual balance, rate, and payment.
How it works in Show Low
How to assumea mortgage in Show Low.
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 Show Low home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Show Low 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 $93,860 in Show Low 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 Show Low payment written in a different decade.
Show Low questions
Assuming a mortgagein Show Low.
The numbers below come from current Show Low inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Show Low?
As of September 2026, UMe tracks 12 active assumable listings in Show Low. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Show Low?
Current Show Low inventory breaks down as VA (7, median 6.60%) and FHA (5, median 6.34%). 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 Show Low?
The lowest rate on an active Show Low assumable listing is 2.81%, and the median across all 12 listings is 6.50%. 2 listings are under 4% and 2 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 Show Low?
Across current Show Low listings, the median principal-and-interest payment on the assumable loan is $1,700 per month versus $1,844 for the same balance at today's rates, a difference of about $144 every month, or $1,729 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 Show Low?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Show Low that gap is currently a median of $93,860 on a median list price of $374,450. 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 Show Low ZIP codes have the most assumable homes?
The Show Low ZIP codes with the most active assumable listings are 85901 (12). 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 Show Low?
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 Show Low.The rate is already on the house.
Every listing on the Show Low map has a rate you can take over. Start with the ones in Show Low, get pre-qualified in minutes, and let UMe carry the assumption to closing.
