Maricopa, Arizona
Assumable homes for salein Maricopa, Arizona.
156 homes in Maricopa carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.15%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Maricopa assumable market
by the numbers.
Assumable mortgagesin Maricopa, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Maricopa. Updated October 2026.
How assumptions work for buyersMaricopa, Arizona has 156 homes for sale with an assumable mortgage as of October 2026: 118 FHA loans and 38 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 Maricopa assumable listings start at 2.15% with a median of 5.04%; 61 listings are under 4% and 74 are under 5%.
The median assumable home in Maricopa lists for $347,950, with a median of $89,778 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 $1,548 a month versus $2,167 for the same balance at today's rate, roughly $619 kept every month and $7,424 a year. The most active Maricopa ZIP codes are 85138 (116) and 85139 (40).
1 listing in Maricopa is 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 Maricopa assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Homes on the marketin Maricopa.
No verified listings in Maricopa yet.
New assumable listings land every week across Arizona. Search the full map, or save a Maricopa search and we’ll email you the moment one appears.
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.
What’s in the mixin Maricopa.
Live counts from the MLS feeds we index for Arizona. Updated October 2026.
- Active listings
- 156
- UMe Certified / verified
- 1
- Lowest rate
- 2.15%
- Median rate
- 5.04%
- Median list price
- $347,950
- Median cash to assume
- $89,778
Maricopa listings by locked rate
- Under 4%61 homes
- 4% – 5%13 homes
- 5% – 6%8 homes
- 6% and up66 homes
Maricopa listings by loan type
- FHA118 homesmedian 5.80%
- VA38 homesmedian 3.45%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
Assumable homesby Maricopa ZIP code.
Each ZIP opens the Maricopa map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
What an assumable ratedoes to a Maricopa payment.
The sliders start at the median Maricopa assumable listing: $347,950 list price and a 5.04% 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.
26% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Maricopa listing on UMe shows the actual balance, rate, and payment.
How to assumea mortgage in Maricopa.
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 Maricopa home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Maricopa 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 $89,778 in Maricopa 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 Maricopa payment written in a different decade.
Assuming a mortgagein Maricopa.
The numbers below come from current Maricopa inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Maricopa?
As of October 2026, UMe tracks 156 active assumable listings in Maricopa. 1 of them is 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 Maricopa?
Current Maricopa inventory breaks down as FHA (118, median 5.80%) and VA (38, median 3.45%). 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 Maricopa?
The lowest rate on an active Maricopa assumable listing is 2.15%, and the median across all 156 listings is 5.04%. 61 listings are under 4% and 74 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 Maricopa?
Across current Maricopa listings, the median principal-and-interest payment on the assumable loan is $1,548 per month versus $2,167 for the same balance at today's rates, a difference of about $619 every month, or $7,424 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 Maricopa?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Maricopa that gap is currently a median of $89,778 on a median list price of $347,950. 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 Maricopa ZIP codes have the most assumable homes?
The Maricopa ZIP codes with the most active assumable listings are 85138 (116) and 85139 (40). 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 Maricopa?
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.
More assumable homesin Arizona.
Stop overpaying for Maricopa.The rate is already on the house.
Every listing on the Maricopa map has a rate you can take over. Start with the ones in Maricopa, get pre-qualified in minutes, and let UMe carry the assumption to closing.
