Top pick
Active
35$400,000$27,436 down
- Rate
- 2.625%
6.95%today- Payment
- $1,691/mo
$2,787today
- 3beds
- 2baths
- 1,783sqft
Wittmann, Arizona
Assumable homes for salein Wittmann, Arizona.
17 homes in Wittmann carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.77%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Wittmann assumable market
by the numbers.
17active assumable listings
2.77%lowest locked rate
$480kmedian list price
$447saved per month vs. 7.2%
About the market
Assumable mortgagesin Wittmann, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Wittmann. Updated September 2026.
How assumptions work for buyersWittmann, Arizona has 17 homes for sale with an assumable mortgage as of September 2026: 9 VA loans and 8 FHA 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 Wittmann assumable listings start at 2.77% with a median of 3.98%; 9 listings are under 4% and 10 are under 5%.
The median assumable home in Wittmann lists for $480,000, with a median of $273,129 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 $1,301 a month versus $1,748 for the same balance at today's rate, roughly $447 kept every month and $5,360 a year. The most active Wittmann ZIP codes are 85361 (17).
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 Wittmann assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Wittmann
View all 17 on the map Homes on the marketin Wittmann.
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
FHA
Active
24$500,000$28,091 down
- Rate
- 6.81%
6.95%today- Payment
- $3,118/mo
$3,163today
- 5beds
- 3baths
- 2,681sqft
18377 VILLA HERMOSA Lane, Surprise
VATop pick
Active
64$398,900Potential short sale
- Rate
- 2.98%
6.95%today- Payment
- $1,975/mo
$3,108today
- 4beds
- 2baths
- 1,813sqft
18428 EWERS Drive, Surprise
FHATop pick
Active
25$300,000$11,383 down
- Rate
- 2.98%
6.95%today- Payment
- $1,363/mo
$2,145today
- 3beds
- 2baths
- 1,494sqft
20644 262ND Avenue, Buckeye
FHA
Active
60$384,900$64,920 down
- Rate
- 2.86%
6.95%today- Payment
- $1,484/mo
$2,372today
- 3beds
- 2baths
- 1,766sqft
25952 BURNETT Road, Buckeye
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 Wittmann.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 17
- UMe Certified / verified
- 0
- Lowest rate
- 2.77%
- Median rate
- 3.98%
- Median list price
- $480,000
- Median cash to assume
- $273,129
Wittmann listings by locked rate
- Under 4%9 homes
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up6 homes
Wittmann listings by loan type
- VA9 homesmedian 3.77%
- FHA8 homesmedian 5.78%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Wittmann ZIP code.
Each ZIP opens the Wittmann map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Wittmann numbers
What an assumable ratedoes to a Wittmann payment.
The sliders start at the median Wittmann assumable listing: $480,000 list price and a 3.98% 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)$275,000
57% 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 Wittmann
$1,058/mo
New loan at 7.20%$1,392
Assumed at 4.00%
$1,058
Every month$334
Over five years$20,017
Interest you never pay$170,88126-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 Wittmann listing on UMe shows the actual balance, rate, and payment.
How it works in Wittmann
How to assumea mortgage in Wittmann.
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 Wittmann home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Wittmann 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 $273,129 in Wittmann 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 Wittmann payment written in a different decade.
Wittmann questions
Assuming a mortgagein Wittmann.
The numbers below come from current Wittmann inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Wittmann?
As of September 2026, UMe tracks 17 active assumable listings in Wittmann. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Wittmann?
Current Wittmann inventory breaks down as VA (9, median 3.77%) and FHA (8, median 5.78%). 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 Wittmann?
The lowest rate on an active Wittmann assumable listing is 2.77%, and the median across all 17 listings is 3.98%. 9 listings are under 4% and 10 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 Wittmann?
Across current Wittmann listings, the median principal-and-interest payment on the assumable loan is $1,301 per month versus $1,748 for the same balance at today's rates, a difference of about $447 every month, or $5,360 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 Wittmann?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Wittmann that gap is currently a median of $273,129 on a median list price of $480,000. 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 Wittmann ZIP codes have the most assumable homes?
The Wittmann ZIP codes with the most active assumable listings are 85361 (17). 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 Wittmann?
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 Wittmann.The rate is already on the house.
Every listing on the Wittmann map has a rate you can take over. Start with the ones in Wittmann, get pre-qualified in minutes, and let UMe carry the assumption to closing.
