3.76% VA
$260,000
$858/mo
643 COACHLINE Lane
Benson, AZ
3 bd2 ba1,346 sqft
Benson, Arizona
Keep the rate.
Buy the home in Benson.
4 assumable homes for sale in Benson, with locked rates from 3.76%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.13%
vs 7.2% market
$300/mo saved
Median locked rate
5.13%
Across 4 assumable listings
Typical monthly savings
$300
On a $264,975 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in Benson
Homes with a rate worth keeping
3.92% VA
$299,990
$686/mo
3313 THUNDERBIRD Trail
Benson, AZ
3 bd2 ba1,770 sqft
6.89% VA
$269,950
$1,678/mo
1705 MOONSHADOW Drive
Benson, AZ
3 bd2 ba1,651 sqft
6.34% FHA
$110,160
$854/mo
2108 GLORIOUS Drive
Benson, AZ
3 bd2 ba1,218 sqft
Inventory snapshot
What’s assumable in Benson right now
Live counts from the MLS feeds we index for Arizona. Updated August 2026.
- Active listings
- 4
- Certified / verified
- 0
- Lowest rate
- 3.76%
- Median rate
- 5.13%
- Median list price
- $264,975
- Median cash to assume
- $90,356
Listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up2 homes
Listings by loan type
- VA3 homesmedian 3.92%
- FHA1 homemedian 6.34%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Benson ZIP code
Nearby markets
More assumable homes in Arizona
- Phoenix504
- Mesa248
- Buckeye229
- Surprise198
- San Tan Valley185
- Maricopa170
- Casa Grande115
- Goodyear115
- Glendale112
- Peoria105
- Sierra Vista79
- Gilbert76
- Chandler65
- Florence63
- Avondale57
- Queen Creek55
- Apache Junction54
- Litchfield Park54
- Scottsdale53
- Laveen52
- Prescott50
- Prescott Valley49
- Sun City49
- Tolleson41
Run your numbers
The cost of waiting in Benson.
A 7.2% new loan against an assumable one at 5.13%, same balance, 30 years.
You keep every month
$284/mo
Over a year$3,409
Monthly payment, side by side
7.2% vs 5.13%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Benson
Numbers below come from current Benson inventory and update as listings change.
- How many assumable homes are for sale in Benson?
- As of August 2026, UMe tracks 4 active assumable listings in Benson. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Benson?
- Current Benson inventory breaks down as VA (3, median 3.92%) and FHA (1, median 6.34%). 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 Benson right now?
- The lowest rate on an active Benson assumable listing is 3.76%, and the median across all 4 listings is 5.13%. 2 listings are under 4% and 2 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 Benson?
- Across current Benson listings, the median principal-and-interest payment on the assumable loan is $856 per month versus $1,156 for the same balance at today's rates, a difference of about $300 every month, or $3,600 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 Benson?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Benson that gap is currently a median of $90,356 on a median list price of $264,975. 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 Benson ZIP codes have the most assumable homes?
- The Benson ZIP codes with the most active assumable listings are 85602 (4). 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 Benson?
- 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 Benson.
Every listing on the map has a rate you can take over. Start with the ones in Arizona, or list your own low-rate loan and let buyers come to you.
