Active
31$350,000$32,566 down
- Rate
- 5.50%
6.95%today- Payment
- $1,901/mo
$2,216today
- 5beds
- 3baths
- 2,032sqft
Stanfield, Arizona
Assumable homes for salein Stanfield, Arizona.
An assumable mortgage lets you take over a seller’s existing low-rate FHA, VA, or USDA loan instead of financing at today’s 7.2%. These are the ones we verify in Stanfield.
Live MLS data · Updated
Stanfield assumable market
by the numbers.
6active assumable listings
4.00%average locked rate
$351ktypical list price
$564saved per month vs. 7.2%
About the market
Assumable mortgagesin Stanfield, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Stanfield. Updated September 2026.
How assumptions work for buyersAs of September 2026, UMe has no verified assumable listings in Stanfield. That changes quickly: assumable homes come on the market every week across Arizona as sellers with FHA, VA, and USDA loans written at 2% to 5% decide to move. Save a Stanfield search on the map and we will email you the moment one lands.
An assumable mortgage lets a qualified buyer take over the seller's existing loan, keeping the original rate, balance, and remaining term instead of financing at today's roughly 7.2%. FHA, VA, and USDA loans are assumable by law; conventional loans almost never are. UMe confirms the loan terms with the listing agent, runs the assumption with the servicer, and connects buyers with lenders who write second loans behind an assumption when the seller's equity is more than their cash.
Verified in Stanfield
Homes on the marketin Stanfield.
FHA
Active
33$305,000$6,315 down
- Rate
- 6.875%
6.95%today- Payment
- $2,000/mo
$2,015today
- 3beds
- 2baths
- 1,433sqft
19090 SILVER DOG Way, Maricopa
FHATop pick
Active
34$409,000$25,228 down
- Rate
- 2.50%
6.95%today- Payment
- $1,583/mo
$2,652today
- 4beds
- 3baths
- 2,257sqft
36540 LEONESSA Avenue, Maricopa
FHATop pick
Active
40$350,000$26,399 down
- Rate
- 2.98%
6.95%today- Payment
- $1,528/mo
$2,405today
- 4beds
- 3baths
- 2,210sqft
42132 MANDERAS Lane, Maricopa
VATop pick
Active
30$390,000$24,401 down
- Rate
- 3.07%
6.95%today- Payment
- $1,728/mo
$2,689today
- 3beds
- 3baths
- 2,052sqft
18813 RAVELLO Road, Maricopa
FHATop pick
Active
14$300,000$11,429 down
- Rate
- 3.10%
6.95%today- Payment
- $1,363/mo
$2,112today
- 3beds
- 2baths
- 1,380sqft
35436 SANTA CLARA Avenue, Maricopa
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.
Run the Stanfield numbers
What an assumable ratedoes to a Stanfield payment.
The sliders start at the median Stanfield assumable listing: $350,667 list price and a 4.00% 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)$70,000
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 Stanfield
$1,445/mo
New loan at 7.20%$1,901
Assumed at 4.00%
$1,445
Every month$456
Over five years$27,340
Interest you never pay$233,39826-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 Stanfield listing on UMe shows the actual balance, rate, and payment.
How it works in Stanfield
How to assumea mortgage in Stanfield.
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 Stanfield home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Stanfield 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. 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 Stanfield payment written in a different decade.
Stanfield questions
Assuming a mortgagein Stanfield.
The numbers below come from current Stanfield inventory and update as listings change.
All assumption FAQsAre there assumable homes for sale in Stanfield?
As of September 2026, there are no verified assumable listings in Stanfield. New assumable homes appear every week across Arizona; save a search on the map and we will email you when one lands in Stanfield.
What types of loans can be assumed in Stanfield?
FHA, VA, and USDA mortgages are assumable by law and make up nearly all assumable listings in Arizona. Conventional loans usually include a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan.
How long does a mortgage assumption take in Stanfield?
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 Stanfield.The rate is already on the house.
Every listing on the Stanfield map has a rate you can take over. Start with the ones in Stanfield, get pre-qualified in minutes, and let UMe carry the assumption to closing.
