VA
Active
24$363,500$70,027 down
- Rate
- 2.73%
6.95%today- Payment
- $1,357/mo
$2,206today
- 3beds
- 2baths
- 2,013sqft
Vail, Arizona
Assumable homes for salein Vail, Arizona.
2 homes in Vail carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.10%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Vail assumable market
by the numbers.
2active assumable listings
3.10%lowest locked rate
$362kmedian list price
$704saved per month vs. 7.2%
About the market
Assumable mortgagesin Vail, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Vail. Updated September 2026.
How assumptions work for buyersVail, Arizona has 2 homes for sale with an assumable mortgage as of September 2026: 1 FHA loan and 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 Vail assumable listings start at 3.10% with a median of 4.31%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Vail lists for $362,000, with a median of $58,633 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 $1,661 a month versus $2,365 for the same balance at today's rate, roughly $704 kept every month and $8,446 a year. The most active Vail ZIP codes are 85641 (2).
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 Vail assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Vail
View all 2 on the map Homes on the marketin Vail.
VA
Active
38$399,000$68,857 down
- Rate
- 3.10%
6.95%today- Payment
- $1,562/mo
$2,422today
- 4beds
- 2baths
- 2,101sqft
483 WELDON Street, Vail
VA
Active
56$425,000$98,082 down
- Rate
- 3.92%
6.95%today- Payment
- $1,691/mo
$2,368today
- 4beds
- 3baths
- 2,375sqft
6776 VIA ARROYO LARGO --, Tucson
FHA
Active
45$325,000$33,775 down
- Rate
- 5.52%
6.95%today- Payment
- $1,760/mo
$2,047today
- 4beds
- 2baths
- 2,240sqft
18020 SONOITA Highway, Vail
VA
Active
56$350,000$25,547 down
- Rate
- 6.42%
6.95%today- Payment
- $2,120/mo
$2,239today
- 3beds
- 2baths
- 1,727sqft
6484 VIA JARDIN VERDE --, Tucson
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 Vail.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 3.10%
- Median rate
- 4.31%
- Median list price
- $362,000
- Median cash to assume
- $58,633
Vail listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up0 homes
Vail listings by loan type
- FHA1 homemedian 5.52%
- VA1 homemedian 3.10%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Vail ZIP code.
Each ZIP opens the Vail map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Vail numbers
What an assumable ratedoes to a Vail payment.
The sliders start at the median Vail assumable listing: $362,000 list price and a 4.31% 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)$55,000
15% 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 Vail
$1,625/mo
New loan at 7.20%$2,070
Assumed at 4.30%
$1,625
Every month$445
Over five years$26,696
Interest you never pay$238,19626-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 Vail listing on UMe shows the actual balance, rate, and payment.
How it works in Vail
How to assumea mortgage in Vail.
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 Vail home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Vail 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 $58,633 in Vail 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 Vail payment written in a different decade.
Vail questions
Assuming a mortgagein Vail.
The numbers below come from current Vail inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Vail?
As of September 2026, UMe tracks 2 active assumable listings in Vail. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Vail?
Current Vail inventory breaks down as FHA (1, median 5.52%) and VA (1, median 3.10%). 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 Vail?
The lowest rate on an active Vail assumable listing is 3.10%, and the median across all 2 listings is 4.31%. 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 Vail?
Across current Vail listings, the median principal-and-interest payment on the assumable loan is $1,661 per month versus $2,365 for the same balance at today's rates, a difference of about $704 every month, or $8,446 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 Vail?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Vail that gap is currently a median of $58,633 on a median list price of $362,000. 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 Vail ZIP codes have the most assumable homes?
The Vail ZIP codes with the most active assumable listings are 85641 (2). 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 Vail?
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 Vail.The rate is already on the house.
Every listing on the Vail map has a rate you can take over. Start with the ones in Vail, get pre-qualified in minutes, and let UMe carry the assumption to closing.
