Jay Sobarnia

Jay Sobarnia

(520) 500-9515

Assumable homes for sale in Surprise, AZ

200 homesFHA & VA loansrates from 2.12% vs 7.40% today

Surprise assumption guide
8803 Orchid Lane, Peoria, AZ, 85345 — assumable VA mortgage at 2.50%
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

8803 Orchid Lane, Peoria

18377 VILLA HERMOSA Lane, Surprise, AZ, 85387 — assumable FHA mortgage at 3.99%
FHA
Active
32
$500,000$32,773 equity gap
Rate
3.99%
7.40%today
Payment
$2,278/mo
$3,308today
  • 5beds
  • 3baths
  • 2,681sqft

18377 VILLA HERMOSA Lane, Surprise

18230 LOUISE Drive, Surprise, AZ, 85387 — assumable VA mortgage at 2.25%
VA
Active
37
$539,900$165,712 equity gap
Rate
2.25%
7.40%today
Payment
$1,628/mo
$2,949today
  • 3beds
  • 2baths
  • 2,048sqft

18230 LOUISE Drive, Surprise

18261 Poston Drive, Surprise, AZ, 85387 — assumable FHA mortgage at 4.875%
FHA
Active
28
$409,500$28,374 equity gap
Rate
4.875%
7.40%today
Payment
$2,096/mo
$2,742today
  • 4beds
  • 2baths
  • 1,789sqft

18261 Poston Drive, Surprise

14458 POWDERHORN Drive, Surprise, AZ, 85374 — assumable VA mortgage at 4.875%
VA
Active
70
$525,000$91,574 equity gap
Rate
4.875%
7.40%today
Payment
$2,341/mo
$3,063today
  • 3beds
  • 3baths
  • 2,114sqft

14458 POWDERHORN Drive, Surprise

13621 TUCKEY Court, Glendale, AZ, 85307 — assumable VA mortgage at 3.75%
VA
Active
145
$1,199,900$518,867 equity gap
Rate
3.75%
7.40%today
Payment
$3,590/mo
$5,367today
  • 4beds
  • 4baths
  • 3,935sqft

13621 TUCKEY Court, Glendale

17034 Seldon Lane, Waddell, AZ, 85355 — assumable FHA mortgage at 6.08%
FHA
Active
37
$499,999$5,638 equity gap
Rate
6.08%
7.40%today
Payment
$3,056/mo
$3,499today
  • 4beds
  • 3baths
  • 3,017sqft

17034 Seldon Lane, Waddell

14113 HACKAMORE Drive, Surprise, AZ, 85387 — assumable FHA mortgage at 6.99%
FHA
Active
36
$399,900Potential short sale
Rate
6.99%
7.40%today
Payment
$2,739/mo
$2,853today
  • 3beds
  • 3baths
  • 1,961sqft

14113 HACKAMORE Drive, Surprise

14178 CALLE LEJOS --, Surprise, AZ, 85387 — assumable VA mortgage at 5.75%
VA
Active
48
$555,000$51,961 equity gap
Rate
5.75%
7.40%today
Payment
$3,045/mo
$3,613today
  • 4beds
  • 3baths
  • 2,229sqft

14178 CALLE LEJOS --, Surprise

18549 SELDON Lane, Waddell, AZ, 85355 — assumable VA mortgage at 5.625%
VA
Active
38
$639,000$227,456 equity gap
Rate
5.625%
7.40%today
Payment
$2,460/mo
$2,958today
  • 3beds
  • 3baths
  • 2,392sqft

18549 SELDON Lane, Waddell

7051 LINCOLN Street, Peoria, AZ, 85345 — assumable FHA mortgage at 2.84%
FHATop pick
Active
25
$299,000$10,459 equity gap
Rate
2.84%
7.40%today
Payment
$1,338/mo
$2,243today
  • 3beds
  • 3baths
  • 1,744sqft

7051 LINCOLN Street, Peoria

14404 WETHERSFIELD Road, Surprise, AZ, 85379 — assumable VA mortgage at 3.10%
VATop pick
Active
36
$599,000$12,229 equity gap
Rate
3.10%
7.40%today
Payment
$2,783/mo
$4,512today
  • 4beds
  • 4baths
  • 3,064sqft

14404 WETHERSFIELD Road, Surprise

9711 CALICO Drive, Sun City, AZ, 85373 — assumable VA mortgage at 2.81%
VA
Active
60
$345,000$62,242 equity gap
Rate
2.81%
7.40%today
Payment
$1,338/mo
$2,252today
  • 2beds
  • 2baths
  • 1,827sqft

9711 CALICO Drive, Sun City

18031 UDALL Drive, Surprise, AZ, 85374 — assumable FHA mortgage at 2.87%
FHA
Active
30
$326,900$39,511 equity gap
Rate
2.87%
7.40%today
Payment
$1,343/mo
$2,243today
  • 1beds
  • 2baths
  • 1,270sqft

18031 UDALL Drive, Surprise

12008 LARKSPUR Road, El Mirage, AZ, 85335 — assumable FHA mortgage at 3.07%
FHA
Active
26
$314,500$49,965 equity gap
Rate
3.07%
7.40%today
Payment
$1,253/mo
$2,040today
  • 2beds
  • 2baths
  • 956sqft

12008 LARKSPUR Road, El Mirage

13423 IRONWOOD Street, Surprise, AZ, 85374 — assumable FHA mortgage at 3.07%
FHA
Active
23
$410,000$73,734 equity gap
Rate
3.07%
7.40%today
Payment
$1,593/mo
$2,593today
  • 3beds
  • 3baths
  • 2,118sqft

13423 IRONWOOD Street, Surprise

16176 STATLER Street, Surprise, AZ, 85374 — assumable VA mortgage at 3.10%
VA
Active
33
$450,000$89,821 equity gap
Rate
3.10%
7.40%today
Payment
$1,708/mo
$2,770today
  • 6beds
  • 3baths
  • 2,166sqft

16176 STATLER Street, Surprise

10433 LAURIE Lane, Peoria, AZ, 85345 — assumable FHA mortgage at 3.10%
FHA
Active
36
$339,900$56,976 equity gap
Rate
3.10%
7.40%today
Payment
$1,342/mo
$2,175today
  • 2beds
  • 2baths
  • 1,243sqft

10433 LAURIE Lane, Peoria

12842 ASTER Drive, El Mirage, AZ, 85335 — assumable FHA mortgage at 3.25%
FHA
Active
27
$400,000$70,456 equity gap
Rate
3.25%
7.40%today
Payment
$1,602/mo
$2,549today
  • 3beds
  • 2baths
  • 1,990sqft

12842 ASTER Drive, El Mirage

15762 CHERYL Drive, Waddell, AZ, 85355 — assumable VA mortgage at 3.49%
VA
Active
45
$568,900$47,376 equity gap
Rate
3.49%
7.40%today
Payment
$2,377/mo
$3,670today
  • 3beds
  • 3baths
  • 2,507sqft

15762 CHERYL Drive, Waddell

15792 DESERT MIRAGE Drive, Surprise, AZ, 85379 — assumable VA mortgage at 2.25%
VA
Active
29
$625,000$177,027 equity gap
Rate
2.25%
7.40%today
Payment
$1,983/mo
$3,593today
  • 5beds
  • 3baths
  • 3,924sqft

15792 DESERT MIRAGE Drive, Surprise

11436 HAGEN Drive, Sun City, AZ, 85351 — assumable VA mortgage at 2.37%
VA
Active
44
$250,000$66,659 equity gap
Rate
2.37%
7.40%today
Payment
$803/mo
$1,431today
  • 2beds
  • 1baths
  • 984sqft

11436 HAGEN Drive, Sun City

13327 BOLERO Drive, Sun City West, AZ, 85375 — assumable VA mortgage at 2.71%
VA
Active
54
$249,900$55,480 equity gap
Rate
2.71%
7.40%today
Payment
$906/mo
$1,544today
  • 2beds
  • 2baths
  • 1,138sqft

13327 BOLERO Drive, Sun City West

10241 PUGET Avenue, Peoria, AZ, 85345 — assumable VA mortgage at 2.71%
VA
Active
31
$375,000$101,030 equity gap
Rate
2.71%
7.40%today
Payment
$1,279/mo
$2,181today
  • 3beds
  • 2baths
  • 1,578sqft

10241 PUGET Avenue, Peoria

8927 PARADISE Drive, Peoria, AZ, 85345 — assumable FHA mortgage at 2.81%
FHA
Active
31
$392,000$105,861 equity gap
Rate
2.81%
7.40%today
Payment
$1,341/mo
$2,257today
  • 3beds
  • 2baths
  • 1,575sqft

8927 PARADISE Drive, Peoria

14575 MOUNTAIN VIEW Boulevard #11220, Surprise, AZ, 85374 — assumable FHA mortgage at 2.81%
FHA
Active
47
$285,000$84,369 equity gap
Rate
2.81%
7.40%today
Payment
$949/mo
$1,598today
  • 3beds
  • 2baths
  • 1,651sqft

14575 MOUNTAIN VIEW Boulevard #11220, Surprise

10708 CAMELOT Circle, Sun City, AZ, 85351 — assumable VA mortgage at 2.84%
VA
Active
35
$330,000$71,934 equity gap
Rate
2.84%
7.40%today
Payment
$1,197/mo
$2,007today
  • 2beds
  • 2baths
  • 1,656sqft

10708 CAMELOT Circle, Sun City

17373 PINNACLE VISTA Drive, Surprise, AZ, 85387 — assumable VA mortgage at 2.84%
VA
Active
21
$345,000$74,973 equity gap
Rate
2.84%
7.40%today
Payment
$1,252/mo
$2,100today
  • 4beds
  • 2baths
  • 1,950sqft

17373 PINNACLE VISTA Drive, Surprise

8564 MISSION Lane, Peoria, AZ, 85345 — assumable FHA mortgage at 2.90%
FHA
Active
27
$359,900$82,808 equity gap
Rate
2.90%
7.40%today
Payment
$1,300/mo
$2,162today
  • 3beds
  • 2baths
  • 1,208sqft

8564 MISSION Lane, Peoria

10963 COGGINS Drive, Sun City, AZ, 85351 — assumable FHA mortgage at 3.00%
FHA
Active
29
$159,995$34,556 equity gap
Rate
3.00%
7.40%today
Payment
$600/mo
$986today
  • 1beds
  • 1baths
  • 994sqft

10963 COGGINS Drive, Sun City

11844 CHERRY HILLS Drive, Sun City, AZ, 85351 — assumable FHA mortgage at 3.04%
FHA
Active
31
$249,000$74,692 equity gap
Rate
3.04%
7.40%today
Payment
$834/mo
$1,363today
  • 2beds
  • 1baths
  • 1,139sqft

11844 CHERRY HILLS Drive, Sun City

19431 67TH Drive, Glendale, AZ, 85308 — assumable VA mortgage at 3.05%
VA
Active
49
$609,000$165,586 equity gap
Rate
3.05%
7.40%today
Payment
$2,100/mo
$3,427today
  • 4beds
  • 3baths
  • 3,006sqft

19431 67TH Drive, Glendale

16516 ALAMEDA Road, Surprise, AZ, 85387 — assumable FHA mortgage at 3.06%
FHA
Active
38
$399,999$120,732 equity gap
Rate
3.06%
7.40%today
Payment
$1,339/mo
$2,182today
  • 4beds
  • 2baths
  • 1,793sqft

16516 ALAMEDA Road, Surprise

24154 165TH Drive, Surprise, AZ, 85387 — assumable VA mortgage at 3.56%
VA
Active
35
$560,000$60,920 equity gap
Rate
3.56%
7.40%today
Payment
$2,484/mo
$3,802today
  • 4beds
  • 3baths
  • 2,599sqft

24154 165TH Drive, Surprise

24857 172ND Avenue, Surprise, AZ, 85387 — assumable FHA mortgage at 3.76%
FHA
Active
42
$364,900$37,350 equity gap
Rate
3.76%
7.40%today
Payment
$1,659/mo
$2,478today
  • 2beds
  • 2baths
  • 1,493sqft

24857 172ND Avenue, Surprise

15950 QUAIL CREEK Lane, Surprise, AZ, 85374 — assumable FHA mortgage at 3.76%
FHA
Active
28
$375,000$35,055 equity gap
Rate
3.76%
7.40%today
Payment
$1,726/mo
$2,577today
  • 2beds
  • 2baths
  • 1,278sqft

15950 QUAIL CREEK Lane, Surprise

Assuming a mortgage in Surprise

An assumable mortgage lets you buy the home and take over the seller’s existing FHA, VA or USDA loan—its rate, balance and remaining term included. Each listing above shows the existing rate and payment next to what the same loan would cost at today’s rates (about 7.40%), so you can see the saving before you tour. 10 of the 200 homes here are UMe-verified, meaning the loan terms have been confirmed with the servicer.

Lowest existing rate
2.12%
Lowest existing payment
$373 /mo
Median cash to assume
$147,595
Jay Sobarnia

Jay Sobarnia

Realtor License: SA696671000

Home Smart Advantage

jay@tucsonlistingagent.com+15205009515
eXp Realty logo

eXp Realty

Equal Housing Opportunity

Home Smart Advantage is committed to and abides by the Fair Housing Act and Equal Opportunity. Listing data is refreshed daily from participating MLS feeds; existing loan terms are estimates until verified with the servicer.

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