VA
Active
12$409,999$89,296 equity gap
- Rate
- 2.50%
7.40%today- Payment
- $1,442/mo
$2,527today
- 3beds
- 2baths
- 1,931sqft
Arizona · Statewide
Assumable homes for salein Arizona.
2,800 homes in Arizona carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.01%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Arizona assumable market
by the numbers.
2,800active assumable listings
2.01%lowest locked rate
$405kmedian list price
$546saved per month vs. 7.2%
Across Arizona
Assumable homesby Arizona city.
Ranked by live assumable inventory. Every city is its own market page with local listings, rates, ZIP codes, and cash-to-assume figures.
Search all of Arizona on the map- 01Phoenix412412 assumable homes · median 4.47%
- 02Mesa218218 assumable homes · median 5.08%
- 03Buckeye178178 assumable homes · median 5.52%
- 04Surprise169169 assumable homes · median 5.88%
- 05Maricopa156156 assumable homes · median 5.23%
- 06San Tan Valley136136 assumable homes · median 6.14%
- 07Glendale111111 assumable homes · median 5.22%
- 08Goodyear105105 assumable homes · median 5.22%
- 09Casa Grande104104 assumable homes · median 6.09%
- 10Peoria8888 assumable homes · median 4.85%
- 11Gilbert7575 assumable homes · median 3.87%
- 12Chandler6565 assumable homes · median 4.88%
- 13Sierra Vista5656 assumable homes · median 4.46%
- 14Florence5353 assumable homes · median 6.11%
- 15Queen Creek5050 assumable homes · median 4.78%
- 16Sun City5050 assumable homes · median 4.34%
- 17Litchfield Park4949 assumable homes · median 6.35%
- 18Avondale4343 assumable homes · median 6.32%
- 19Apache Junction4242 assumable homes · median 4.21%
- 20Laveen4242 assumable homes · median 6.50%
- 21Scottsdale3939 assumable homes · median 4.48%
- 22Tolleson3939 assumable homes · median 6.15%
- 23Tonopah2929 assumable homes · median 5.66%
- 24Waddell2929 assumable homes · median 6.09%
- 25Arizona City2828 assumable homes · median 6.28%
- 26Coolidge2323 assumable homes · median 5.37%
- 27Tempe2323 assumable homes · median 6.12%
- 28El Mirage2121 assumable homes · median 3.87%
- 29Gold Canyon2020 assumable homes · median 5.44%
- 30Hereford1919 assumable homes · median 3.69%
- 31Payson1919 assumable homes · median 4.14%
- 32Wittmann1818 assumable homes · median 5.50%
- 33Sedona1414 assumable homes · median 4.82%
- 34Wickenburg1414 assumable homes · median 6.29%
- 35Cave Creek1313 assumable homes · median 4.00%
- 36Show Low1313 assumable homes · median 6.50%
- 37Sun City West1212 assumable homes · median 6.30%
- 38Anthem1111 assumable homes · median 6.00%
- 39Fountain Hills1010 assumable homes · median 4.42%
- 40Prescott1010 assumable homes · median 4.41%
- 41Flagstaff99 assumable homes · median 4.12%
- 42Camp Verde88 assumable homes · median 3.64%
- 43Eloy88 assumable homes · median 4.79%
- 44Douglas77 assumable homes · median 6.50%
- 45New River77 assumable homes · median 3.72%
- 46Prescott Valley77 assumable homes · median 3.45%
- 47Tucson77 assumable homes · median 6.78%
- 48Benson66 assumable homes · median 5.13%
- 49Huachuca City66 assumable homes · median 5.96%
- 50Overgaard66 assumable homes · median 5.89%
- 51Sun Lakes66 assumable homes · median 5.06%
- 52Cottonwood55 assumable homes · median 4.43%
- 53Globe55 assumable homes · median 6.39%
- 54Lakeside55 assumable homes · median 6.12%
- 55Pine55 assumable homes · median 6.56%
- 56Rimrock55 assumable homes · median 6.73%
- 57Youngtown55 assumable homes · median 6.64%
- 58Dewey44 assumable homes · median 6.78%
- 59Mayer44 assumable homes · median 6.46%
- 60Arlington33 assumable homes · median 3.64%
- 61Chino Valley33 assumable homes · median 3.45%
- 62Clarkdale33 assumable homes · median 3.55%
- 63Cornville33 assumable homes · median 2.93%
- 64McNeal33 assumable homes · median 6.19%
- 65Paulden33 assumable homes · median 2.87%
- 66Rio Rico33 assumable homes · median 4.37%
- 67Rio Verde33 assumable homes · median 6.63%
- 68Congress22 assumable homes · median 3.58%
- 69Marana22 assumable homes · median 5.17%
- 70Miami22 assumable homes · median 5.91%
- 71Queen Valley22 assumable homes · median 6.53%
- 72Sahuarita22 assumable homes · median 6.07%
- 73Snowflake22 assumable homes · median 6.20%
- 74Strawberry22 assumable homes · median 3.25%
- 75Taylor22 assumable homes · median 5.12%
- 76Thatcher22 assumable homes · median 5.05%
- 77Tombstone22 assumable homes · median 5.29%
- 78Vail22 assumable homes · median 4.31%
- 79Yuma22 assumable homes · median 6.69%
- 80Aguila11 assumable home · median 2.78%
- 81Ash Fork11 assumable home · median 7.09%
- 82Bellemont11 assumable home · median 6.54%
- 83Bisbee11 assumable home · median 6.50%
- 84Black Canyon City11 assumable home · median 6.64%
- 85Cibola11 assumable home · median 6.12%
- 86Eagar11 assumable home · median 6.24%
- 87Elgin11 assumable home · median 6.72%
- 88Fort Mohave11 assumable home · median 2.70%
- 89Happy Jack11 assumable home · median 2.81%
- 90Heber11 assumable home · median 3.02%
- 91Kingman11 assumable home · median 2.88%
- 92Mormon Lake11 assumable home · median 3.57%
- 93Morristown11 assumable home · median 3.65%
- 94Munds Park11 assumable home · median 3.70%
- 95Oro Valley11 assumable home · median 5.27%
- 96Page11 assumable home · median 7.00%
- 97Pinedale11 assumable home · median 2.25%
- 98Pinetop11 assumable home · median 6.50%
- 99Quartzsite11 assumable home · median 4.67%
- 100Red Rock11 assumable home · median 3.82%
- 101Roosevelt11 assumable home · median 2.91%
- 102Salome11 assumable home · median 6.11%
- 103Skull Valley11 assumable home · median 2.86%
- 104St. Johns11 assumable home · median 3.49%
- 105Tonto Basin11 assumable home · median 6.50%
- 106Valley Farms11 assumable home · median 5.30%
- 107Vernon11 assumable home · median 3.80%
- 108Willcox11 assumable home · median 2.24%
- 109Williams11 assumable home · median 6.89%
- 110Winslow11 assumable home · median 2.96%
Also covered in Arizona, no verified assumable listings today:
- Ajo
- Alpine
- Amado
- Arivaca
- Bagdad
- Blue
- Bouse
- Bowie
- Bullhead City
- Carefree
- Central
- Chambers
- Chloride
- Clay Springs
- Claypool
- Clifton
- Cochise
- Colorado City
- Concho
- Cordes Lakes
- Corona de Tucson
- Crown King
- Dateland
- Dolan Springs
- Dragoon
- Dudleyville
- Duncan
- Eden
- Ehrenberg
- Elfrida
- Forest Lakes
- Fort McDowell
- Fort Thomas
- Fredonia
- Gila Bend
- Golden Valley
- Green Valley
- Greer
- Groom Creek
- Guadalupe
- Hackberry
- Hayden
- Holbrook
- Humboldt
- Jerome
- Joseph City
- Kearny
- Kirkland
- Lake Havasu City
- Littlefield
- Mammoth
- Meadview
- Mobile
- Mohave Valley
- Mount Lemmon
- Naco
- Nogales
- Nutrioso
- Oatman
- Oracle
- Palo Verde
- Paradise Valley
- Parker
- Parks
- Patagonia
- Peach Springs
- Pearce
- Peeples Valley
- Picacho
- Pima
- Pirtleville
- Portal
- Roll
- Saddlebrooke
- Safford
- San Luis
- San Manuel
- San Simon
- Sanders
- Seligman
- Somerton
- Sonoita
- Spring Valley
- Springerville
- St. David
- Stanfield
- Star Valley
- Sun Valley
- Sunsites
- Superior
- Tacna
- Topock
- Tubac
- Tumacacori
- Wellton
- Wenden
- White Hills
- Wikieup
- Winkelman
- Woodruff
- Yarnell
- Young
- Yucca
About the market
Assumable mortgagesin Arizona, explained.
Every number on this page comes from the live MLS feeds UMe indexes across Arizona. Updated October 2026.
How assumptions work for buyersArizona has 2,800 homes for sale with an assumable mortgage as of October 2026: 1,669 FHA loans and 1,131 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 Arizona assumable listings start at 2.01% with a median of 5.23%; 1,118 listings are under 4% and 1,318 are under 5%.
The median assumable home in Arizona lists for $405,000, with a median of $118,860 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 $1,758 a month versus $2,304 for the same balance at today's rate, roughly $546 kept every month and $6,556 a year. The deepest Arizona inventory is in Phoenix (412), Mesa (218), Buckeye (178), Surprise (169), and Maricopa (156).
32 listings in Arizona 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 Arizona assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified across Arizona
View all 2,800 on the map Homes on the marketacross Arizona.
FHA
Active
43$305,000$87,487 equity gap
- Rate
- 2.88%
7.40%today- Payment
- $1,039/mo
$1,734today
- 3beds
- 2baths
- 1,631sqft
1750 RENEGADE Trail, San Tan Valley
VA
Active
29$400,000$89,691 equity gap
- Rate
- 2.99%
7.40%today- Payment
- $1,444/mo
$2,375today
- 3beds
- 2baths
- 1,352sqft
4340 AMBER RIDGE Way, Phoenix
FHA
Active
22$379,900$100,675 equity gap
- Rate
- 3.00%
7.40%today- Payment
- $1,345/mo
$2,209today
- 3beds
- 2baths
- 1,394sqft
6330 SANDRA Terrace, Glendale
VA
Active
21$674,999$157,267 equity gap
- Rate
- 3.10%
7.40%today- Payment
- $2,477/mo
$4,016today
- 4beds
- 4baths
- 2,924sqft
40641 BARRED Place, San Tan Valley
VA
Active
33$549,000$118,088 equity gap
- Rate
- 3.125%
7.40%today- Payment
- $2,095/mo
$3,386today
- 3beds
- 2baths
- 1,868sqft
22768 VIA DEL SOL --, Queen Creek
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 Arizona.
Live counts from the MLS feeds we index for Arizona. Updated October 2026.
- Active listings
- 2,800
- UMe Certified / verified
- 32
- Lowest rate
- 2.01%
- Median rate
- 5.23%
- Median list price
- $405,000
- Median cash to assume
- $118,860
Arizona listings by locked rate
- Under 4%1,118 homes
- 4% – 5%200 homes
- 5% – 6%202 homes
- 6% and up1,252 homes
Arizona listings by loan type
- FHA1,669 homesmedian 6.11%
- VA1,131 homesmedian 3.94%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
Run the Arizona numbers
What an assumable ratedoes to an Arizona payment.
The sliders start at the median Arizona assumable listing: $405,000 list price and a 5.23% 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)$120,000
30% 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 Arizona
$1,676/mo
New loan at 7.20%$1,935
Assumed at 5.25%
$1,676
Every month$258
Over five years$15,499
Interest you never pay$173,45426-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 Arizona listing on UMe shows the actual balance, rate, and payment.
How it works in Arizona
How to assumea mortgage in Arizona.
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 an Arizona home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Arizona 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 $118,860 in Arizona 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 an Arizona payment written in a different decade.
Arizona questions
Assuming a mortgagein Arizona.
The numbers below come from current Arizona inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Arizona?
As of October 2026, UMe tracks 2,800 active assumable listings in Arizona. 32 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 Arizona?
Current Arizona inventory breaks down as FHA (1,669, median 6.11%) and VA (1,131, median 3.94%). 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 Arizona?
The lowest rate on an active Arizona assumable listing is 2.01%, and the median across all 2,800 listings is 5.23%. 1,118 listings are under 4% and 1,318 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 Arizona?
Across current Arizona listings, the median principal-and-interest payment on the assumable loan is $1,758 per month versus $2,304 for the same balance at today's rates, a difference of about $546 every month, or $6,556 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 Arizona?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Arizona that gap is currently a median of $118,860 on a median list price of $405,000. 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 Arizona cities have the most assumable homes?
The deepest assumable inventory in Arizona is in Phoenix (412), Mesa (218), Buckeye (178), Surprise (169), and Maricopa (156). Each city has its own page with live counts, rates, and neighborhoods, and the Arizona map lets you search the whole state at once.
How long does a mortgage assumption take in Arizona?
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.
Ready when you are
Stop overpaying for Arizona.The rate is already on the house.
Every listing on the Arizona map has a rate you can take over. Start with the cities holding the deepest inventory, get pre-qualified in minutes, and let UMe carry the assumption to closing.
