VA
Active
36$399,900$47,141 down
- Rate
- 3.08%
6.95%today- Payment
- $1,699/mo
$2,640today
- 4beds
- 2baths
- 2,075sqft
Tonopah, Arizona
Assumable homes for salein Tonopah, Arizona.
31 homes in Tonopah carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.70%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Tonopah assumable market
by the numbers.
31active assumable listings
2.70%lowest locked rate
$395kmedian list price
$495saved per month vs. 7.2%
About the market
Assumable mortgagesin Tonopah, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Tonopah. Updated September 2026.
How assumptions work for buyersTonopah, Arizona has 31 homes for sale with an assumable mortgage as of September 2026: 26 FHA loans and 5 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 Tonopah assumable listings start at 2.70% with a median of 6.36%; 10 listings are under 4% and 11 are under 5%.
The median assumable home in Tonopah lists for $395,000, with a median of $135,604 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 $1,628 a month versus $2,124 for the same balance at today's rate, roughly $495 kept every month and $5,945 a year. The most active Tonopah ZIP codes are 85354 (31).
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 Tonopah assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Tonopah
View all 31 on the map Homes on the marketin Tonopah.
VA
Active
41$370,000$223,618 down
- Rate
- 2.74%
6.95%today- Payment
- $681/mo
$1,105today
- 3beds
- 2baths
- 2,112sqft
2220 382ND Avenue, Tonopah
FHA
Active
81$410,000$230,225 down
- Rate
- 2.81%
6.95%today- Payment
- $851/mo
$1,369today
- 4beds
- 2baths
- 1,724sqft
34902 ARDMORE Road, Tonopah
FHA
Active
40$490,000$326,702 down
- Rate
- 2.89%
6.95%today- Payment
- $774/mo
$1,232today
- 3beds
- 2baths
- 1,569sqft
38936 Mountain View Road, Tonopah
VA
Active
4$249,500Potential short sale
- Rate
- 3.07%
6.95%today- Payment
- $1,436/mo
$2,235today
- 3beds
- 2baths
- 1,706sqft
1040 362ND Avenue, Tonopah
FHA
Active
22$305,900$305,900 down
- Rate
- 3.50%
6.95%today- Payment
- $0/mo
- 4beds
- 2baths
- 2,021sqft
3034 431ST Avenue, Tonopah
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 Tonopah.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 31
- UMe Certified / verified
- 0
- Lowest rate
- 2.70%
- Median rate
- 6.36%
- Median list price
- $395,000
- Median cash to assume
- $135,604
Tonopah listings by locked rate
- Under 4%10 homes
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up13 homes
Tonopah listings by loan type
- FHA26 homesmedian 6.50%
- VA5 homesmedian 3.07%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Tonopah ZIP code.
Each ZIP opens the Tonopah map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Tonopah numbers
What an assumable ratedoes to a Tonopah payment.
The sliders start at the median Tonopah assumable listing: $395,000 list price and a 6.36% 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)$135,000
34% 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 Tonopah
$1,704/mo
New loan at 7.20%$1,765
Assumed at 6.35%
$1,704
Every month$61
Over five years$3,637
Interest you never pay$103,62626-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 Tonopah listing on UMe shows the actual balance, rate, and payment.
How it works in Tonopah
How to assumea mortgage in Tonopah.
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 Tonopah home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Tonopah 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 $135,604 in Tonopah 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 Tonopah payment written in a different decade.
Tonopah questions
Assuming a mortgagein Tonopah.
The numbers below come from current Tonopah inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Tonopah?
As of September 2026, UMe tracks 31 active assumable listings in Tonopah. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Tonopah?
Current Tonopah inventory breaks down as FHA (26, median 6.50%) and VA (5, median 3.07%). 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 Tonopah?
The lowest rate on an active Tonopah assumable listing is 2.70%, and the median across all 31 listings is 6.36%. 10 listings are under 4% and 11 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 Tonopah?
Across current Tonopah listings, the median principal-and-interest payment on the assumable loan is $1,628 per month versus $2,124 for the same balance at today's rates, a difference of about $495 every month, or $5,945 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 Tonopah?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Tonopah that gap is currently a median of $135,604 on a median list price of $395,000. 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 Tonopah ZIP codes have the most assumable homes?
The Tonopah ZIP codes with the most active assumable listings are 85354 (31). 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 Tonopah?
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 Tonopah.The rate is already on the house.
Every listing on the Tonopah map has a rate you can take over. Start with the ones in Tonopah, get pre-qualified in minutes, and let UMe carry the assumption to closing.
