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.
2,857 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.
2,857active assumable listings
2.01%lowest locked rate
$405kmedian list price
$541saved 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- 01Phoenix413413 assumable homes · median 4.50%
- 02Mesa223223 assumable homes · median 5.11%
- 03Buckeye179179 assumable homes · median 5.66%
- 04Surprise172172 assumable homes · median 6.12%
- 05Maricopa159159 assumable homes · median 5.23%
- 06San Tan Valley138138 assumable homes · median 6.14%
- 07Glendale113113 assumable homes · median 5.22%
- 08Goodyear107107 assumable homes · median 5.00%
- 09Casa Grande106106 assumable homes · median 6.09%
- 10Peoria9393 assumable homes · median 4.72%
- 11Gilbert8080 assumable homes · median 3.87%
- 12Chandler6363 assumable homes · median 5.41%
- 13Florence5555 assumable homes · median 6.26%
- 14Sierra Vista5454 assumable homes · median 5.00%
- 15Litchfield Park5252 assumable homes · median 6.35%
- 16Queen Creek5252 assumable homes · median 4.33%
- 17Sun City5252 assumable homes · median 4.34%
- 18Avondale4444 assumable homes · median 6.31%
- 19Laveen4444 assumable homes · median 6.39%
- 20Apache Junction4242 assumable homes · median 4.21%
- 21Scottsdale4040 assumable homes · median 3.79%
- 22Tolleson3939 assumable homes · median 6.15%
- 23Tonopah2929 assumable homes · median 5.66%
- 24Waddell2929 assumable homes · median 5.63%
- 25Arizona City2828 assumable homes · median 6.30%
- 26Coolidge2727 assumable homes · median 6.36%
- 27El Mirage2424 assumable homes · median 4.11%
- 28Tempe2323 assumable homes · median 6.24%
- 29Gold Canyon2121 assumable homes · median 4.67%
- 30Payson2020 assumable homes · median 4.16%
- 31Wittmann1919 assumable homes · median 6.06%
- 32Hereford1818 assumable homes · median 3.69%
- 33Sedona1414 assumable homes · median 4.82%
- 34Sun City West1414 assumable homes · median 6.30%
- 35Wickenburg1414 assumable homes · median 6.29%
- 36Cave Creek1313 assumable homes · median 4.00%
- 37Show Low1313 assumable homes · median 6.50%
- 38Anthem1111 assumable homes · median 6.00%
- 39Flagstaff1010 assumable homes · median 3.75%
- 40Fountain Hills1010 assumable homes · median 4.42%
- 41Prescott1010 assumable homes · median 4.41%
- 42Camp Verde99 assumable homes · median 3.66%
- 43Eloy88 assumable homes · median 4.79%
- 44Prescott Valley88 assumable homes · median 3.53%
- 45Douglas77 assumable homes · median 6.50%
- 46New River77 assumable homes · median 3.72%
- 47Tucson77 assumable homes · median 6.78%
- 48Youngtown77 assumable homes · median 6.62%
- 49Benson66 assumable homes · median 5.13%
- 50Huachuca City66 assumable homes · median 5.96%
- 51Overgaard66 assumable homes · median 5.89%
- 52Rimrock66 assumable homes · median 6.62%
- 53Cottonwood55 assumable homes · median 4.43%
- 54Globe55 assumable homes · median 6.39%
- 55Pine55 assumable homes · median 6.56%
- 56Sun Lakes55 assumable homes · median 6.39%
- 57Lakeside44 assumable homes · median 6.00%
- 58Rio Verde44 assumable homes · median 5.19%
- 59Arlington33 assumable homes · median 3.64%
- 60Clarkdale33 assumable homes · median 3.55%
- 61Cornville33 assumable homes · median 2.93%
- 62Dewey33 assumable homes · median 6.89%
- 63Mayer33 assumable homes · median 6.15%
- 64McNeal33 assumable homes · median 6.19%
- 65Paulden33 assumable homes · median 2.87%
- 66Rio Rico33 assumable homes · median 4.37%
- 67Tombstone33 assumable homes · median 6.22%
- 68Chino Valley22 assumable homes · median 5.15%
- 69Congress22 assumable homes · median 3.58%
- 70Marana22 assumable homes · median 5.17%
- 71Miami22 assumable homes · median 5.91%
- 72Morristown22 assumable homes · median 5.06%
- 73Queen Valley22 assumable homes · median 6.53%
- 74Sahuarita22 assumable homes · median 6.07%
- 75Snowflake22 assumable homes · median 6.20%
- 76Strawberry22 assumable homes · median 3.25%
- 77Taylor22 assumable homes · median 5.12%
- 78Thatcher22 assumable homes · median 5.05%
- 79Vail22 assumable homes · median 4.31%
- 80Yuma22 assumable homes · median 6.69%
- 81Aguila11 assumable home · median 2.78%
- 82Ash Fork11 assumable home · median 7.09%
- 83Bellemont11 assumable home · median 6.54%
- 84Bisbee11 assumable home · median 6.50%
- 85Black Canyon City11 assumable home · median 6.64%
- 86Cibola11 assumable home · median 6.12%
- 87Eagar11 assumable home · median 6.24%
- 88Elgin11 assumable home · median 6.72%
- 89Fort Mohave11 assumable home · median 2.70%
- 90Happy Jack11 assumable home · median 2.81%
- 91Heber11 assumable home · median 3.02%
- 92Humboldt11 assumable home · median 6.47%
- 93Kingman11 assumable home · median 2.88%
- 94Mormon Lake11 assumable home · median 3.57%
- 95Munds Park11 assumable home · median 3.70%
- 96Oro Valley11 assumable home · median 5.27%
- 97Page11 assumable home · median 7.00%
- 98Pinedale11 assumable home · median 2.25%
- 99Pinetop11 assumable home · median 6.50%
- 100Quartzsite11 assumable home · median 4.67%
- 101Red Rock11 assumable home · median 3.82%
- 102Roosevelt11 assumable home · median 2.91%
- 103Salome11 assumable home · median 6.11%
- 104Skull Valley11 assumable home · median 2.86%
- 105Sonoita11 assumable home · median 2.78%
- 106St. Johns11 assumable home · median 3.49%
- 107Tonto Basin11 assumable home · median 6.50%
- 108Valley Farms11 assumable home · median 5.30%
- 109Vernon11 assumable home · median 3.80%
- 110Willcox11 assumable home · median 2.24%
- 111Williams11 assumable home · median 6.89%
- 112Winslow11 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
- 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
- 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 2,857 homes for sale with an assumable mortgage as of October 2026: 1,697 FHA loans and 1,160 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 5.25%; 1,132 listings are under 4% and 1,336 are under 5%.
The median assumable home in Arizona lists for $405,000, with a median of $117,344 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 $1,767 a month versus $2,308 for the same balance at today's rate, roughly $541 kept every month and $6,495 a year. The deepest Arizona inventory is in Phoenix (413), Mesa (223), Buckeye (179), Surprise (172), and Maricopa (159).
35 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 2,857 on the map Homes on the marketacross Arizona.
VA
Active
26$309,999$32,527 equity gap
- Rate
- 2.875%
7.40%today- Payment
- $1,286/mo
$2,146today
- 3beds
- 2baths
- 1,266sqft
44192 GRIFFIS Drive, Maricopa
VA
Active
29$325,000$89,526 equity gap
- Rate
- 2.249%
7.40%today- Payment
- $1,048/mo
$1,898today
- 4beds
- 3baths
- 2,185sqft
42443 HILLMAN Drive, Maricopa
VA
Active
37$519,900$146,638 equity gap
- Rate
- 2.25%
7.40%today- Payment
- $1,628/mo
$2,949today
- 3beds
- 2baths
- 2,048sqft
18230 LOUISE Drive, Surprise
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
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
- 2,857
- UMe Certified / verified
- 35
- Lowest rate
- 2.01%
- Median rate
- 5.25%
- Median list price
- $405,000
- Median cash to assume
- $117,344
Arizona listings by locked rate
- Under 4%1,132 homes
- 4% – 5%204 homes
- 5% – 6%208 homes
- 6% and up1,286 homes
Arizona listings by loan type
- FHA1,697 homesmedian 6.11%
- VA1,160 homesmedian 3.98%
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 5.25% 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
28% 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
$1,706/mo
New loan at 7.20%$1,968
Assumed at 5.25%
$1,706
Every month$263
Over five years$15,771
Interest you never pay$176,49726-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 $117,344 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 2,857 active assumable listings in Arizona. 35 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 (1,697, median 6.11%) and VA (1,160, median 3.98%). 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 2,857 listings is 5.25%. 1,132 listings are under 4% and 1,336 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 $1,767 per month versus $2,308 for the same balance at today's rates, a difference of about $541 every month, or $6,495 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 $117,344 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 (413), Mesa (223), Buckeye (179), Surprise (172), and Maricopa (159). 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.
