VA
Active
12$409,999$89,296 down
- Rate
- 2.50%
7.28%today- Payment
- $1,442/mo
$2,497today
- 3beds
- 2baths
- 1,931sqft
Arizona · Statewide
Assumable homes for salein Arizona.
3,042 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.
3,042active assumable listings
2.01%lowest locked rate
$400kmedian list price
$559saved 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- 01Phoenix407407 assumable homes · median 4.46%
- 02Mesa229229 assumable homes · median 5.10%
- 03Buckeye172172 assumable homes · median 5.52%
- 04Surprise172172 assumable homes · median 6.09%
- 05Maricopa156156 assumable homes · median 5.04%
- 06San Tan Valley141141 assumable homes · median 6.22%
- 07Casa Grande104104 assumable homes · median 6.14%
- 08Goodyear9898 assumable homes · median 5.22%
- 09Glendale9595 assumable homes · median 5.22%
- 10Peoria8888 assumable homes · median 4.85%
- 11Gilbert7070 assumable homes · median 3.87%
- 12Chandler6565 assumable homes · median 4.18%
- 13Kingman5555 assumable homes · median 5.51%
- 14Sierra Vista5555 assumable homes · median 3.96%
- 15Florence5454 assumable homes · median 5.82%
- 16Litchfield Park5050 assumable homes · median 6.35%
- 17Queen Creek4949 assumable homes · median 3.87%
- 18Avondale4444 assumable homes · median 6.33%
- 19Sun City4444 assumable homes · median 4.17%
- 20Laveen4141 assumable homes · median 6.50%
- 21Scottsdale4141 assumable homes · median 3.78%
- 22Apache Junction3737 assumable homes · median 4.28%
- 23Tolleson3737 assumable homes · median 6.26%
- 24Prescott Valley3636 assumable homes · median 4.03%
- 25Prescott3434 assumable homes · median 4.65%
- 26Tonopah3030 assumable homes · median 5.10%
- 27Bullhead City2828 assumable homes · median 4.55%
- 28Waddell2626 assumable homes · median 5.66%
- 29Arizona City2525 assumable homes · median 4.98%
- 30Fort Mohave2525 assumable homes · median 3.83%
- 31Flagstaff2222 assumable homes · median 4.08%
- 32Coolidge2121 assumable homes · median 4.39%
- 33El Mirage2121 assumable homes · median 3.80%
- 34Tempe2121 assumable homes · median 5.98%
- 35Golden Valley2020 assumable homes · median 4.68%
- 36Hereford2020 assumable homes · median 3.92%
- 37Payson2020 assumable homes · median 4.71%
- 38Wittmann2020 assumable homes · median 4.70%
- 39Williams1717 assumable homes · median 6.45%
- 40Chino Valley1616 assumable homes · median 4.38%
- 41Gold Canyon1616 assumable homes · median 5.14%
- 42Wickenburg1616 assumable homes · median 6.43%
- 43Sedona1414 assumable homes · median 5.83%
- 44Sun City West1414 assumable homes · median 6.29%
- 45Anthem1313 assumable homes · median 6.50%
- 46Dewey-Humboldt1313 assumable homes · median 4.99%
- 47Paulden1313 assumable homes · median 4.29%
- 48Show Low1212 assumable homes · median 6.50%
- 49Cave Creek1111 assumable homes · median 4.38%
- 50Fountain Hills1010 assumable homes · median 4.42%
- 51Camp Verde99 assumable homes · median 3.66%
- 52Mayer99 assumable homes · median 6.26%
- 53Eloy88 assumable homes · median 4.79%
- 54Douglas77 assumable homes · median 6.50%
- 55New River77 assumable homes · median 3.72%
- 56Overgaard77 assumable homes · median 4.98%
- 57Rimrock77 assumable homes · median 6.73%
- 58Tucson77 assumable homes · median 6.42%
- 59Cottonwood66 assumable homes · median 3.79%
- 60Huachuca City66 assumable homes · median 5.96%
- 61Benson55 assumable homes · median 3.92%
- 62Congress55 assumable homes · median 3.62%
- 63Globe55 assumable homes · median 6.63%
- 64Lakeside55 assumable homes · median 6.12%
- 65Meadview55 assumable homes · median 3.45%
- 66Pine55 assumable homes · median 6.56%
- 67Sun Lakes55 assumable homes · median 6.39%
- 68Winslow55 assumable homes · median 3.78%
- 69Youngtown55 assumable homes · median 6.62%
- 70Marana44 assumable homes · median 4.50%
- 71Mohave Valley44 assumable homes · median 5.10%
- 72Arlington33 assumable homes · median 3.64%
- 73Clarkdale33 assumable homes · median 3.55%
- 74Dewey33 assumable homes · median 6.76%
- 75McNeal33 assumable homes · median 6.19%
- 76Munds Park33 assumable homes · median 3.70%
- 77Rio Verde33 assumable homes · median 6.63%
- 78Snowflake33 assumable homes · median 6.20%
- 79Topock33 assumable homes · median 3.92%
- 80Bellemont22 assumable homes · median 6.54%
- 81Cornville22 assumable homes · median 2.91%
- 82Dolan Springs22 assumable homes · median 5.23%
- 83Miami22 assumable homes · median 5.88%
- 84Morristown22 assumable homes · median 3.65%
- 85Pinetop22 assumable homes · median 6.63%
- 86Queen Valley22 assumable homes · median 4.96%
- 87Rio Rico22 assumable homes · median 5.63%
- 88Strawberry22 assumable homes · median 3.25%
- 89Taylor22 assumable homes · median 5.12%
- 90Thatcher22 assumable homes · median 5.05%
- 91Tombstone22 assumable homes · median 5.29%
- 92Tonto Basin22 assumable homes · median 6.75%
- 93Vail22 assumable homes · median 4.31%
- 94Yucca22 assumable homes · median 5.96%
- 95Yuma22 assumable homes · median 6.69%
- 96Ash Fork11 assumable home · median 7.09%
- 97Cibola11 assumable home · median 6.12%
- 98Eagar11 assumable home · median 6.24%
- 99Elgin11 assumable home · median 6.72%
- 100Fredonia11 assumable home · median 7.06%
- 101Happy Jack11 assumable home · median 2.81%
- 102Heber11 assumable home · median 3.02%
- 103Mormon Lake11 assumable home · median 3.57%
- 104Oro Valley11 assumable home · median 5.27%
- 105Page11 assumable home · median 7.00%
- 106Pinedale11 assumable home · median 2.25%
- 107Quartzsite11 assumable home · median 4.67%
- 108Red Rock11 assumable home · median 3.82%
- 109Roosevelt11 assumable home · median 2.91%
- 110Sahuarita11 assumable home · median 5.50%
- 111Salome11 assumable home · median 6.11%
- 112Seligman11 assumable home · median 6.69%
- 113St. Johns11 assumable home · median 3.49%
- 114Valley Farms11 assumable home · median 5.30%
- 115Vernon11 assumable home · median 3.80%
- 116Willcox11 assumable home · median 2.24%
Also covered in Arizona, no verified assumable listings today:
- Aguila
- Ajo
- Alpine
- Amado
- Arivaca
- Bagdad
- Beaver Dam
- Bisbee
- Black Canyon City
- Blue
- Bouse
- Bowie
- Carefree
- Central
- Chambers
- Chloride
- Clay Springs
- Claypool
- Clifton
- Cochise
- Colorado City
- Concho
- Cordes Lakes
- Corona de Tucson
- Crown King
- Dateland
- Dragoon
- Dudleyville
- Duncan
- Eden
- Ehrenberg
- Elfrida
- Forest Lakes
- Fort McDowell
- Fort Thomas
- Gila Bend
- Green Valley
- Greer
- Groom Creek
- Guadalupe
- Hackberry
- Hayden
- Holbrook
- Humboldt
- Jerome
- Joseph City
- Kearny
- Kirkland
- Lake Havasu City
- Littlefield
- Mammoth
- Mobile
- 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
- Skull Valley
- Somerton
- Sonoita
- Spring Valley
- Springerville
- St. David
- Stanfield
- Star Valley
- Sun Valley
- Sunsites
- Superior
- Tacna
- Tubac
- Tumacacori
- Valentine
- Wellton
- Wenden
- White Hills
- Wikieup
- Winkelman
- Woodruff
- Yarnell
- Young
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 3,042 homes for sale with an assumable mortgage as of October 2026: 1,800 FHA loans and 1,242 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 5.22%; 1,217 listings are under 4% and 1,446 are under 5%.
The median assumable home in Arizona lists for $400,000, with a median of $114,607 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 $1,711 a month versus $2,270 for the same balance at today's rate, roughly $559 kept every month and $6,709 a year. The deepest Arizona inventory is in Phoenix (407), Mesa (229), Buckeye (172), Surprise (172), and Maricopa (156).
25 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 3,042 on the map Homes on the marketacross Arizona.
FHA
Active
43$305,000$87,487 down
- Rate
- 2.88%
7.28%today- Payment
- $1,039/mo
$1,713today
- 3beds
- 2baths
- 1,631sqft
1750 RENEGADE Trail, San Tan Valley
VA
Active
29$400,000$89,691 down
- Rate
- 2.99%
7.28%today- Payment
- $1,444/mo
$2,347today
- 3beds
- 2baths
- 1,352sqft
4340 AMBER RIDGE Way, Phoenix
VA
Active
21$674,999$157,267 down
- Rate
- 3.10%
7.28%today- Payment
- $2,477/mo
$3,968today
- 4beds
- 4baths
- 2,924sqft
40641 BARRED Place, San Tan Valley
VA
Active
33$549,000$117,118 down
- Rate
- 3.125%
7.28%today- Payment
- $2,095/mo
$3,346today
- 3beds
- 2baths
- 1,868sqft
22768 VIA DEL SOL --, Queen Creek
FHA
Active
32$500,000$32,051 down
- Rate
- 3.99%
7.28%today- Payment
- $2,278/mo
$3,269today
- 5beds
- 3baths
- 2,681sqft
18377 VILLA HERMOSA Lane, Surprise
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
- 3,042
- UMe Certified / verified
- 25
- Lowest rate
- 2.01%
- Median rate
- 5.22%
- Median list price
- $400,000
- Median cash to assume
- $114,607
Arizona listings by locked rate
- Under 4%1,217 homes
- 4% – 5%229 homes
- 5% – 6%220 homes
- 6% and up1,345 homes
Arizona listings by loan type
- FHA1,800 homesmedian 5.98%
- VA1,242 homesmedian 3.96%
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: $400,000 list price and a 5.22% 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)$115,000
29% 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
$1,668/mo
New loan at 7.20%$1,935
Assumed at 5.20%
$1,668
Every month$267
Over five years$16,008
Interest you never pay$176,10026-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 $114,607 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 3,042 active assumable listings in Arizona. 25 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 (1,800, median 5.98%) and VA (1,242, median 3.96%). 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 3,042 listings is 5.22%. 1,217 listings are under 4% and 1,446 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 $1,711 per month versus $2,270 for the same balance at today's rates, a difference of about $559 every month, or $6,709 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 $114,607 on a median list price of $400,000. 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 (407), Mesa (229), Buckeye (172), Surprise (172), 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.
