VA
Active
53$615,000$447,801 down
- Rate
- 2.89%
6.95%today- Payment
- $800/mo
$1,274today
- 4beds
- 2baths
- 1,872sqft
Strawberry, Arizona
Assumable homes for salein Strawberry, Arizona.
1 home in Strawberry carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.89%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Strawberry assumable market
by the numbers.
1active assumable listing
2.89%lowest locked rate
$615kmedian list price
$548saved per month vs. 7.2%
About the market
Assumable mortgagesin Strawberry, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Strawberry. Updated August 2026.
How assumptions work for buyersStrawberry, Arizona has 1 home for sale with an assumable mortgage as of August 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 Strawberry assumable listings start at 2.89% with a median of 2.89%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Strawberry lists for $615,000, with a median of $456,615 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 $800 a month versus $1,348 for the same balance at today's rate, roughly $548 kept every month and $6,578 a year. The most active Strawberry ZIP codes are 85544 (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 Strawberry assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Strawberry
View all 1 on the map Homes on the marketin Strawberry.
VA
Active
24$360,000$276,353 down
- Rate
- 3.67%
6.95%today- Payment
- $513/mo
$741today
- 2beds
- 1baths
- 900sqft
4120 WHISPERING PINE Road, Pine
VA
Active
39$582,000$391,017 down
- Rate
- 3.73%
6.95%today- Payment
- $1,018/mo
$1,458today
- 3beds
- 2baths
- 2,068sqft
400 BRASSIE Drive, Payson
FHA
Active
49$474,900$268,614 down
- Rate
- 4.47%
6.95%today- Payment
- $1,234/mo
$1,618today
- 3beds
- 2baths
- 2,280sqft
8438 LUFKIN Drive, Pine
FHA
Active
22$335,000$23,970 down
- Rate
- 6.56%
6.95%today- Payment
- $1,998/mo
$2,080today
- 3beds
- 2baths
- 1,208sqft
8303 STRAWBERRY Drive, Pine
FHA
Active
29$525,000$121,842 down
- Rate
- 5.41%
6.95%today- Payment
- $2,406/mo
$2,833today
- 3beds
- 1baths
- 1,207sqft
4872 Trails End Drive, Pine
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 Strawberry.
Live counts from the MLS feeds we index for Arizona. Updated August 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 2.89%
- Median rate
- 2.89%
- Median list price
- $615,000
- Median cash to assume
- $456,615
Strawberry listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Strawberry listings by loan type
- VA1 homemedian 2.89%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Strawberry ZIP code.
Each ZIP opens the Strawberry map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Strawberry numbers
What an assumable ratedoes to a Strawberry payment.
The sliders start at the median Strawberry assumable listing: $615,000 list price and a 2.89% 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)$455,000
74% 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 Strawberry
$731/mo
New loan at 7.20%$1,086
Assumed at 2.90%
$731
Every month$355
Over five years$21,315
Interest you never pay$162,96826-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 Strawberry listing on UMe shows the actual balance, rate, and payment.
How it works in Strawberry
How to assumea mortgage in Strawberry.
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 Strawberry home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Strawberry 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 $456,615 in Strawberry 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 Strawberry payment written in a different decade.
Strawberry questions
Assuming a mortgagein Strawberry.
The numbers below come from current Strawberry inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Strawberry?
As of August 2026, UMe tracks 1 active assumable listing in Strawberry. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Strawberry?
Current Strawberry inventory breaks down as VA (1, median 2.89%). 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 Strawberry?
The lowest rate on an active Strawberry assumable listing is 2.89%, and the median across all 1 listing is 2.89%. 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 Strawberry?
Across current Strawberry listings, the median principal-and-interest payment on the assumable loan is $800 per month versus $1,348 for the same balance at today's rates, a difference of about $548 every month, or $6,578 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 Strawberry?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Strawberry that gap is currently a median of $456,615 on a median list price of $615,000. 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 Strawberry ZIP codes have the most assumable homes?
The Strawberry ZIP codes with the most active assumable listings are 85544 (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 Strawberry?
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 Strawberry.The rate is already on the house.
Every listing on the Strawberry map has a rate you can take over. Start with the ones in Strawberry, get pre-qualified in minutes, and let UMe carry the assumption to closing.
