Jay Sobarnia

Jay Sobarnia

(520) 500-9515

Assumable homes for sale in Surprise, AZ

58 homesFHA & VA loansrates from 2.25% vs 7.40% today

Surprise assumption guide
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

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

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

17530 VILLA HERMOSA Lane, Surprise, AZ, 85387 — assumable FHA mortgage at 3.17%
FHA
Active
28
$389,000$78,019 equity gap
Rate
3.17%
7.40%today
Payment
$1,512/mo
$2,430today
  • 3beds
  • 2baths
  • 1,892sqft

17530 VILLA HERMOSA Lane, Surprise

17664 PARAISO Drive, Surprise, AZ, 85387 — assumable FHA mortgage at 2.83%
FHA
Active
41
$349,500$123,612 equity gap
Rate
2.83%
7.40%today
Payment
$1,074/mo
$1,802today
  • 3beds
  • 2baths
  • 1,892sqft

17664 PARAISO Drive, Surprise

17867 JESSIE Lane, Surprise, AZ, 85387 — assumable FHA mortgage at 2.96%
FHA
Active
52
$472,000$161,834 equity gap
Rate
2.96%
7.40%today
Payment
$1,471/mo
$2,428today
  • 5beds
  • 3baths
  • 3,018sqft

17867 JESSIE Lane, Surprise

17145 STRAIGHT ARROW Lane, Surprise, AZ, 85387 — assumable FHA mortgage at 3.55%
FHA
Active
12
$420,000$94,778 equity gap
Rate
3.55%
7.40%today
Payment
$1,614/mo
$2,473today
  • 4beds
  • 3baths
  • 2,354sqft

17145 STRAIGHT ARROW Lane, Surprise

17805 Daley Lane, Surprise, AZ, 85387 — assumable VA mortgage at 3.10%
VA
Active
55
$440,000$147,880 equity gap
Rate
3.10%
7.40%today
Payment
$1,388/mo
$2,251today
  • 5beds
  • 3baths
  • 2,183sqft

17805 Daley Lane, Surprise

16870 ELECTRA Court, Surprise, AZ, 85387 — assumable VA mortgage at 3.12%
VA
Active
31
$600,000$208,147 equity gap
Rate
3.12%
7.40%today
Payment
$1,862/mo
$3,012today
  • 5beds
  • 3baths
  • 2,959sqft

16870 ELECTRA Court, Surprise

17792 Cashman Drive, Surprise, AZ, 85387 — assumable FHA mortgage at 3.13%
FHA
Active
44
$400,000$152,297 equity gap
Rate
3.13%
7.40%today
Payment
$1,205/mo
$1,946today
  • 3beds
  • 2baths
  • 1,967sqft

17792 Cashman Drive, Surprise

17729 Fetlock Trail, Surprise, AZ, 85387 — assumable FHA mortgage at 5.10%
FHA
Active
47
$394,500$13,073 equity gap
Rate
5.10%
7.40%today
Payment
$2,223/mo
$2,835today
  • 3beds
  • 2baths
  • 1,570sqft

17729 Fetlock Trail, Surprise

25843 165TH Lane, Surprise, AZ, 85387 — assumable VA mortgage at 3.47%
VA
Active
40
$375,000$207,911 equity gap
Rate
3.47%
7.40%today
Payment
$863/mo
$1,336today
  • 3beds
  • 2baths
  • 1,716sqft

25843 165TH Lane, Surprise

17837 COUNTRY CLUB Terrace, Surprise, AZ, 85387 — assumable VA mortgage at 5.30%
VA
Active
31
$385,000$9,244 equity gap
Rate
5.30%
7.40%today
Payment
$2,221/mo
$2,770today
  • 3beds
  • 2baths
  • 1,782sqft

17837 COUNTRY CLUB Terrace, Surprise

25502 164TH Avenue, Surprise, AZ, 85387 — assumable VA mortgage at 5.22%
VA
Active
51
$524,900$30,786 equity gap
Rate
5.22%
7.40%today
Payment
$2,893/mo
$3,640today
  • 5beds
  • 4baths
  • 3,021sqft

25502 164TH Avenue, Surprise

18040 LOUISE Drive, Surprise, AZ, 85387 — assumable FHA mortgage at 4.06%
FHA
Active
43
$399,000$148,301 equity gap
Rate
4.06%
7.40%today
Payment
$1,408/mo
$2,028today
  • 4beds
  • 3baths
  • 3,020sqft

18040 LOUISE Drive, Surprise

16719 ROWEL Road, Surprise, AZ, 85387 — assumable VA mortgage at 5.23%
VA
Active
27
$399,000$69,553 equity gap
Rate
5.23%
7.40%today
Payment
$1,937/mo
$2,434today
  • 3beds
  • 2baths
  • 1,784sqft

16719 ROWEL Road, Surprise

17308 DALEY Lane, Surprise, AZ, 85387 — assumable VA mortgage at 6.12%
VA
Active
22
$355,000$9,290 equity gap
Rate
6.12%
7.40%today
Payment
$2,197/mo
$2,504today
  • 3beds
  • 2baths
  • 1,495sqft

17308 DALEY Lane, Surprise

16873 FETLOCK Trail, Surprise, AZ, 85387 — assumable FHA mortgage at 6.60%
FHA
Active
57
$534,000$16,711 equity gap
Rate
6.60%
7.40%today
Payment
$3,398/mo
$3,684today
  • 5beds
  • —baths
  • 3,241sqft

16873 FETLOCK Trail, Surprise

17329 VIA DE LUNA Drive, Surprise, AZ, 85387 — assumable FHA mortgage at 6.71%
FHA
Active
33
$364,000$14,018 equity gap
Rate
6.71%
7.40%today
Payment
$2,347/mo
$2,515today
  • 3beds
  • 2baths
  • 1,716sqft

17329 VIA DE LUNA Drive, Surprise

16987 RED BIRD Road, Surprise, AZ, 85387 — assumable VA mortgage at 6.90%
VA
Active
46
$519,000$12,683 equity gap
Rate
6.90%
7.40%today
Payment
$3,480/mo
$3,658today
  • 5beds
  • 3baths
  • 3,024sqft

16987 RED BIRD Road, Surprise

18143 Paraiso Drive, Surprise, AZ, 85387 — assumable VA mortgage at 7.19%
VA
Active
40
$399,000$4,679 equity gap
Rate
7.19%
7.40%today
Payment
$2,758/mo
$2,817today
  • 4beds
  • 2baths
  • 1,896sqft

18143 Paraiso Drive, Surprise

17633 RUNNING DEER Trail, Surprise, AZ, 85387 — assumable VA mortgage at 7.22%
VA
Active
28
$579,900$27,343 equity gap
Rate
7.22%
7.40%today
Payment
$3,843/mo
$3,912today
  • 4beds
  • 4baths
  • 2,857sqft

17633 RUNNING DEER Trail, Surprise

17168 Running Deer Trail, Surprise, AZ, 85387 — assumable FHA mortgage at 7.44%
FHA
Active
43
$516,000Potential short sale
Rate
7.44%
7.40%today
Payment
$3,713/mo
$3,698today
  • 5beds
  • 3baths
  • 3,381sqft

17168 Running Deer Trail, Surprise

24757 170th Lane, Surprise, AZ, 85387 — assumable VA mortgage at 7.44%
VA
Active
51
$399,900$17,322 equity gap
Rate
7.44%
7.40%today
Payment
$2,732/mo
$2,721today
  • 3beds
  • 2baths
  • 1,392sqft

24757 170th Lane, Surprise

16025 ALAMEDA Road, Surprise, AZ, 85387 — assumable FHA mortgage at 6.39%
FHA
Active
53
$507,900$43,747 equity gap
Rate
6.39%
7.40%today
Payment
$3,014/mo
$3,339today
  • 3beds
  • 3baths
  • 2,040sqft

16025 ALAMEDA Road, Surprise

17543 BUCKHORN Trail, Surprise, AZ, 85387 — assumable FHA mortgage at 6.50%
FHA
Active
101
$440,000$24,985 equity gap
Rate
6.50%
7.40%today
Payment
$2,669/mo
$2,923today
  • 4beds
  • 3baths
  • 2,697sqft

17543 BUCKHORN Trail, Surprise

18018 SAND HILLS Drive, Surprise, AZ, 85387 — assumable FHA mortgage at 6.50%
FHA
Active
33
$399,000$37,450 equity gap
Rate
6.50%
7.40%today
Payment
$2,309/mo
$2,529today
  • 3beds
  • 2baths
  • 1,545sqft

18018 SAND HILLS Drive, Surprise

16233 CIELO GRANDE Avenue, Surprise, AZ, 85387 — assumable FHA mortgage at 6.65%
FHA
Active
30
$430,000$37,763 equity gap
Rate
6.65%
7.40%today
Payment
$2,606/mo
$2,811today
  • 3beds
  • 3baths
  • 1,972sqft

16233 CIELO GRANDE Avenue, Surprise

17357 RUNNING DEER Trail, Surprise, AZ, 85387 — assumable FHA mortgage at 6.65%
FHA
Active
$400,000$20,763 equity gap
Rate
6.65%
7.40%today
Payment
$2,534/mo
$2,733today
  • 4beds
  • 2baths
  • 1,832sqft

17357 RUNNING DEER Trail, Surprise

17345 SMOKETREE Drive, Surprise, AZ, 85387 — assumable FHA mortgage at 6.84%
FHA
Active
37
$539,000$35,211 equity gap
Rate
6.84%
7.40%today
Payment
$3,336/mo
$3,528today
  • 4beds
  • 3baths
  • 2,105sqft

17345 SMOKETREE Drive, Surprise

26958 170TH Lane, Surprise, AZ, 85387 — assumable FHA mortgage at 6.90%
FHA
Active
37
$415,000$42,712 equity gap
Rate
6.90%
7.40%today
Payment
$2,521/mo
$2,650today
  • 3beds
  • 2baths
  • 1,580sqft

26958 170TH Lane, Surprise

17068 MAYA Way, Surprise, AZ, 85387 — assumable VA mortgage at 6.90%
VA
Active
31
$410,000$18,381 equity gap
Rate
6.90%
7.40%today
Payment
$2,652/mo
$2,788today
  • 3beds
  • 2baths
  • 1,897sqft

17068 MAYA Way, Surprise

17268 COUNTRY CLUB Terrace, Surprise, AZ, 85387 — assumable FHA mortgage at 6.22%
FHA
Active
50
$365,000$37,687 equity gap
Rate
6.22%
7.40%today
Payment
$2,025/mo
$2,284today
  • 3beds
  • 2baths
  • 1,500sqft

17268 COUNTRY CLUB Terrace, 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. 2 of the 58 homes here are UMe-verified, meaning the loan terms have been confirmed with the servicer.

Lowest existing rate
2.25%
Lowest existing payment
$863 /mo
Median cash to assume
$59,058
Jay Sobarnia

Jay Sobarnia

Realtor License: SA696671000

Home Smart Advantage

jay@tucsonlistingagent.com+15205009515
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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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