VA
Active
12$409,999$90,070 equity gap
- Rate
- 2.50%
7.32%today- Payment
- $1,442/mo
$2,507today
- 3beds
- 2baths
- 1,931sqft
Arizona · Statewide
Assumable homes for salein Arizona.
2,970 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.
2,970active assumable listings
2.01%lowest locked rate
$400kmedian list price
$556saved 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- 01Phoenix417417 assumable homes · median 4.43%
- 02Mesa221221 assumable homes · median 5.00%
- 03Buckeye177177 assumable homes · median 5.75%
- 04Surprise170170 assumable homes · median 6.15%
- 05Maricopa162162 assumable homes · median 5.47%
- 06San Tan Valley140140 assumable homes · median 5.98%
- 07Glendale125125 assumable homes · median 5.22%
- 08Goodyear108108 assumable homes · median 5.28%
- 09Casa Grande107107 assumable homes · median 5.38%
- 10Peoria9595 assumable homes · median 4.99%
- 11Gilbert7575 assumable homes · median 3.87%
- 12Chandler6464 assumable homes · median 5.64%
- 13Sierra Vista5454 assumable homes · median 4.87%
- 14Florence5353 assumable homes · median 6.11%
- 15Queen Creek5151 assumable homes · median 4.25%
- 16Sun City5151 assumable homes · median 4.17%
- 17Avondale4747 assumable homes · median 6.30%
- 18Litchfield Park4747 assumable homes · median 6.34%
- 19Apache Junction4545 assumable homes · median 4.28%
- 20Scottsdale4141 assumable homes · median 3.67%
- 21Prescott Valley3737 assumable homes · median 4.03%
- 22Tolleson3636 assumable homes · median 5.82%
- 23Prescott3535 assumable homes · median 4.65%
- 24Laveen3434 assumable homes · median 6.50%
- 25Arizona City2929 assumable homes · median 6.34%
- 26Coolidge2828 assumable homes · median 6.35%
- 27Tonopah2828 assumable homes · median 6.21%
- 28Tempe2525 assumable homes · median 5.49%
- 29Waddell2525 assumable homes · median 5.55%
- 30El Mirage2323 assumable homes · median 4.34%
- 31Gold Canyon2020 assumable homes · median 4.32%
- 32Wittmann2020 assumable homes · median 5.92%
- 33Payson1919 assumable homes · median 4.14%
- 34Wickenburg1818 assumable homes · median 6.50%
- 35Hereford1717 assumable homes · median 3.68%
- 36Show Low1515 assumable homes · median 6.50%
- 37Sedona1414 assumable homes · median 4.82%
- 38Sun City West1414 assumable homes · median 6.30%
- 39Cave Creek1212 assumable homes · median 4.19%
- 40Chino Valley1212 assumable homes · median 3.77%
- 41Dewey-Humboldt1212 assumable homes · median 5.75%
- 42Mayer1212 assumable homes · median 6.15%
- 43Anthem1111 assumable homes · median 6.00%
- 44Paulden1111 assumable homes · median 3.22%
- 45Youngtown1111 assumable homes · median 6.10%
- 46Flagstaff1010 assumable homes · median 3.46%
- 47Fountain Hills1010 assumable homes · median 4.42%
- 48Camp Verde88 assumable homes · median 4.17%
- 49Douglas88 assumable homes · median 6.62%
- 50Eloy88 assumable homes · median 4.07%
- 51Rimrock88 assumable homes · median 6.62%
- 52Tucson88 assumable homes · median 6.81%
- 53New River77 assumable homes · median 3.72%
- 54Sun Lakes77 assumable homes · median 3.73%
- 55Cottonwood66 assumable homes · median 3.79%
- 56Globe66 assumable homes · median 6.48%
- 57Huachuca City66 assumable homes · median 5.41%
- 58Overgaard66 assumable homes · median 5.89%
- 59Benson55 assumable homes · median 6.34%
- 60Dewey55 assumable homes · median 6.67%
- 61Pine55 assumable homes · median 6.56%
- 62Williams44 assumable homes · median 5.34%
- 63Arlington33 assumable homes · median 3.64%
- 64Clarkdale33 assumable homes · median 3.55%
- 65Congress33 assumable homes · median 3.53%
- 66Cornville33 assumable homes · median 2.93%
- 67Lakeside33 assumable homes · median 5.41%
- 68McNeal33 assumable homes · median 6.19%
- 69Morristown33 assumable homes · median 3.65%
- 70Rio Verde33 assumable homes · median 3.75%
- 71Kingman22 assumable homes · median 3.93%
- 72Marana22 assumable homes · median 5.17%
- 73Miami22 assumable homes · median 5.91%
- 74Pinetop22 assumable homes · median 6.57%
- 75Queen Valley22 assumable homes · median 6.53%
- 76Rio Rico22 assumable homes · median 5.17%
- 77Sahuarita22 assumable homes · median 6.07%
- 78Salome22 assumable homes · median 5.05%
- 79Skull Valley22 assumable homes · median 2.86%
- 80Snowflake22 assumable homes · median 6.20%
- 81Strawberry22 assumable homes · median 3.25%
- 82Taylor22 assumable homes · median 5.12%
- 83Thatcher22 assumable homes · median 5.05%
- 84Tombstone22 assumable homes · median 5.82%
- 85Vail22 assumable homes · median 4.31%
- 86Aguila11 assumable home · median 2.78%
- 87Ash Fork11 assumable home · median 7.09%
- 88Bellemont11 assumable home · median 6.54%
- 89Bisbee11 assumable home · median 6.50%
- 90Black Canyon City11 assumable home · median 6.64%
- 91Cibola11 assumable home · median 6.12%
- 92Eagar11 assumable home · median 6.24%
- 93Elgin11 assumable home · median 6.72%
- 94Fort Mohave11 assumable home · median 2.70%
- 95Happy Jack11 assumable home · median 2.81%
- 96Heber11 assumable home · median 3.02%
- 97Humboldt11 assumable home · median 6.47%
- 98Mormon Lake11 assumable home · median 3.57%
- 99Munds Park11 assumable home · median 3.70%
- 100Oro Valley11 assumable home · median 5.27%
- 101Page11 assumable home · median 7.00%
- 102Pinedale11 assumable home · median 2.25%
- 103Quartzsite11 assumable home · median 4.67%
- 104Red Rock11 assumable home · median 3.82%
- 105Roosevelt11 assumable home · median 2.91%
- 106Seligman11 assumable home · median 6.69%
- 107Sonoita11 assumable home · median 2.78%
- 108St. Johns11 assumable home · median 3.49%
- 109Tonto Basin11 assumable home · median 6.50%
- 110Valley Farms11 assumable home · median 5.30%
- 111Vernon11 assumable home · median 3.80%
- 112Wellton11 assumable home · median 6.58%
- 113Willcox11 assumable home · median 2.24%
- 114Winslow11 assumable home · median 2.96%
- 115Yuma11 assumable home · median 6.30%
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
- Somerton
- Spring Valley
- Springerville
- St. David
- Stanfield
- Star Valley
- Sun Valley
- Sunsites
- Superior
- Tacna
- Topock
- Tubac
- Tumacacori
- 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 2,970 homes for sale with an assumable mortgage as of October 2026: 1,745 FHA loans and 1,225 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 5.23%; 1,186 listings are under 4% and 1,401 are under 5%.
The median assumable home in Arizona lists for $400,000, with a median of $120,422 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 $1,731 a month versus $2,287 for the same balance at today's rate, roughly $556 kept every month and $6,672 a year. The deepest Arizona inventory is in Phoenix (417), Mesa (221), Buckeye (177), Surprise (170), and Maricopa (162).
36 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 2,970 on the map Homes on the marketacross Arizona.
VA
Active
26$309,999$32,527 equity gap
- Rate
- 2.875%
7.32%today- Payment
- $1,286/mo
$2,129today
- 3beds
- 2baths
- 1,266sqft
44192 GRIFFIS Drive, Maricopa
VA
Active
29$325,000$89,526 equity gap
- Rate
- 2.249%
7.32%today- Payment
- $1,048/mo
$1,883today
- 4beds
- 3baths
- 2,185sqft
42443 HILLMAN Drive, Maricopa
VA
Active
32$879,990$181,304 equity gap
- Rate
- 2.50%
7.32%today- Payment
- $3,119/mo
$5,423today
- 5beds
- 3baths
- —sqft
6226 14TH Street, Phoenix
FHA
Active
43$305,000$87,487 equity gap
- Rate
- 2.88%
7.32%today- Payment
- $1,039/mo
$1,720today
- 3beds
- 2baths
- 1,631sqft
1750 RENEGADE Trail, San Tan Valley
FHA
Active
22$379,900$100,675 equity gap
- Rate
- 3.00%
7.32%today- Payment
- $1,345/mo
$2,192today
- 3beds
- 2baths
- 1,394sqft
6330 SANDRA Terrace, Glendale
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
- 2,970
- UMe Certified / verified
- 36
- Lowest rate
- 2.01%
- Median rate
- 5.23%
- Median list price
- $400,000
- Median cash to assume
- $120,422
Arizona listings by locked rate
- Under 4%1,186 homes
- 4% – 5%215 homes
- 5% – 6%216 homes
- 6% and up1,325 homes
Arizona listings by loan type
- FHA1,745 homesmedian 6.09%
- VA1,225 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 5.23% 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)$120,000
30% 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
$1,647/mo
New loan at 7.20%$1,901
Assumed at 5.25%
$1,647
Every month$254
Over five years$15,227
Interest you never pay$170,41126-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 $120,422 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 2,970 active assumable listings in Arizona. 36 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 (1,745, median 6.09%) and VA (1,225, 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 2,970 listings is 5.23%. 1,186 listings are under 4% and 1,401 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 $1,731 per month versus $2,287 for the same balance at today's rates, a difference of about $556 every month, or $6,672 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 $120,422 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 (417), Mesa (221), Buckeye (177), Surprise (170), and Maricopa (162). 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.
