2.87% FHA
$370,000
$1,553/mo
157 DESERT VISTA Trail
San Tan Valley, AZ
4 bd3 ba1,975 sqft
Coolidge, Arizona
Keep the rate.
Buy the home in Coolidge.
31 assumable homes for sale in Coolidge, with locked rates from 2.74%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.37%
vs 7.2% market
$410/mo saved
Median locked rate
5.37%
Across 31 assumable listings
Typical monthly savings
$410
On a $274,999 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Coolidge
Homes with a rate worth keeping
3.07% FHA
$255,000
$1,082/mo
2300 MAGMA Road
San Tan Valley, AZ
3 bd2 ba1,157 sqft
3.07% FHA
$295,000
$1,462/mo
1363 PINKLEY Avenue
Coolidge, AZ
3 bd3 ba2,113 sqft
3.07% VA
$389,000
$1,678/mo
29954 LITTLE LEAF Drive
San Tan Valley, AZ
3 bd2 ba1,773 sqft
3.45% FHA
$235,000
$1,173/mo
2542 PALO VERDE Drive
Florence, AZ
3 bd2 ba1,313 sqft
2.80% VA
$499,000
$1,958/mo
495 NAVAJO Trail
San Tan Valley, AZ
5 bd3 ba3,696 sqft
Inventory snapshot
What’s assumable in Coolidge right now
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 31
- Certified / verified
- 0
- Lowest rate
- 2.74%
- Median rate
- 5.37%
- Median list price
- $274,999
- Median cash to assume
- $104,081
Listings by locked rate
- Under 4%11 homes
- 4% – 5%0 homes
- 5% – 6%3 homes
- 6% and up12 homes
Listings by loan type
- FHA25 homesmedian 5.52%
- VA6 homesmedian 5.22%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Coolidge 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 Coolidge.
A 7.2% new loan against an assumable one at 5.37%, same balance, 30 years.
You keep every month
$262/mo
Over a year$3,145
Monthly payment, side by side
7.2% vs 5.37%
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 Coolidge
Numbers below come from current Coolidge inventory and update as listings change.
- How many assumable homes are for sale in Coolidge?
- As of September 2026, UMe tracks 31 active assumable listings in Coolidge. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Coolidge?
- Current Coolidge inventory breaks down as FHA (25, median 5.52%) and VA (6, median 5.22%). 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 Coolidge right now?
- The lowest rate on an active Coolidge assumable listing is 2.74%, and the median across all 31 listings is 5.37%. 11 listings are under 4% and 11 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 Coolidge?
- Across current Coolidge listings, the median principal-and-interest payment on the assumable loan is $1,552 per month versus $1,962 for the same balance at today's rates, a difference of about $410 every month, or $4,920 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 Coolidge?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Coolidge that gap is currently a median of $104,081 on a median list price of $274,999. 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 Coolidge ZIP codes have the most assumable homes?
- The Coolidge ZIP codes with the most active assumable listings are 85128 (31). 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 Coolidge?
- 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 Coolidge.
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.
