VA
Active
11$409,999$89,296 down
- Rate
- 2.50%
6.95%today- Payment
- $1,442/mo
$2,416today
- 3beds
- 2baths
- 1,931sqft
Surprise, Arizona
Assumable homes for salein Surprise, Arizona.
167 homes in Surprise carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.12%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Surprise assumable market
by the numbers.
167active assumable listings
2.12%lowest locked rate
$439kmedian list price
$413saved per month vs. 7.2%
About the market
Assumable mortgagesin Surprise, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Surprise. Updated September 2026.
How assumptions work for buyersSurprise, Arizona has 167 homes for sale with an assumable mortgage as of September 2026: 92 FHA loans and 72 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 Surprise assumable listings start at 2.12% with a median of 5.62%; 53 listings are under 4% and 66 are under 5%.
The median assumable home in Surprise lists for $439,000, with a median of $89,613 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 $2,222 a month versus $2,636 for the same balance at today's rate, roughly $413 kept every month and $4,962 a year. The most active Surprise ZIP codes are 85387 (81), 85379 (31), 85388 (28), 85374 (26), and 85378 (1).
4 listings in Surprise 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 Surprise assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Surprise
View all 167 on the map Homes on the marketin Surprise.
Active
37$526,000Potential short sale
- Rate
- 3.99%
6.95%today- Payment
- $2,679/mo
$3,719today
- 4beds
- 3baths
- 3,017sqft
17034 Seldon Lane, Waddell
Active
43$505,000$226,234 down
- Rate
- 2.25%
6.95%today- Payment
- $1,237/mo
$2,143today
- 5beds
- 2baths
- 2,684sqft
13041 ESTERO Lane, Litchfield Park
Active
28$410,000$28,874 down
- Rate
- 4.875%
6.95%today- Payment
- $2,096/mo
$2,622today
- 4beds
- 2baths
- 1,789sqft
18261 Poston Drive, Surprise
VA
Active
145$1,199,900$518,867 down
- Rate
- 3.75%
6.95%today- Payment
- $3,590/mo
$5,131today
- 4beds
- 4baths
- 3,935sqft
13621 TUCKEY Court, Glendale
Active
36$399,900Potential short sale
- Rate
- 6.50%
6.95%today- Payment
- $2,605/mo
$2,728today
- 3beds
- 3baths
- 1,961sqft
14113 HACKAMORE Drive, Surprise
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 Surprise.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 167
- UMe Certified / verified
- 4
- Lowest rate
- 2.12%
- Median rate
- 5.62%
- Median list price
- $439,000
- Median cash to assume
- $89,613
Surprise listings by locked rate
- Under 4%53 homes
- 4% – 5%13 homes
- 5% – 6%21 homes
- 6% and up79 homes
Surprise listings by loan type
- FHA92 homesmedian 6.11%
- VA72 homesmedian 5.28%
- Other3 homesmedian 5.75%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Surprise ZIP code.
Each ZIP opens the Surprise map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Surprise numbers
What an assumable ratedoes to a Surprise payment.
The sliders start at the median Surprise assumable listing: $439,000 list price and a 5.62% 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)$90,000
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 Surprise
$2,132/mo
New loan at 7.20%$2,376
Assumed at 5.60%
$2,132
Every month$244
Over five years$14,615
Interest you never pay$190,03526-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 Surprise listing on UMe shows the actual balance, rate, and payment.
How it works in Surprise
How to assumea mortgage in Surprise.
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 Surprise home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Surprise 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 $89,613 in Surprise 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 Surprise payment written in a different decade.
Surprise questions
Assuming a mortgagein Surprise.
The numbers below come from current Surprise inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Surprise?
As of September 2026, UMe tracks 167 active assumable listings in Surprise. 4 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 Surprise?
Current Surprise inventory breaks down as FHA (92, median 6.11%), VA (72, median 5.28%), and Other (3, median 5.75%). 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 Surprise?
The lowest rate on an active Surprise assumable listing is 2.12%, and the median across all 167 listings is 5.62%. 53 listings are under 4% and 66 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 Surprise?
Across current Surprise listings, the median principal-and-interest payment on the assumable loan is $2,222 per month versus $2,636 for the same balance at today's rates, a difference of about $413 every month, or $4,962 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 Surprise?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Surprise that gap is currently a median of $89,613 on a median list price of $439,000. 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 Surprise ZIP codes have the most assumable homes?
The Surprise ZIP codes with the most active assumable listings are 85387 (81), 85379 (31), 85388 (28), 85374 (26), and 85378 (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 Surprise?
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 Surprise.The rate is already on the house.
Every listing on the Surprise map has a rate you can take over. Start with the ones in Surprise, get pre-qualified in minutes, and let UMe carry the assumption to closing.
