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.
3,164 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.
3,164active assumable listings
2.01%lowest locked rate
$400kmedian list price
$555saved 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- 01Phoenix418418 assumable homes · median 4.42%
- 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%
- 07Glendale126126 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%
- 13Kingman5959 assumable homes · median 4.99%
- 14Sierra Vista5454 assumable homes · median 4.87%
- 15Florence5353 assumable homes · median 6.11%
- 16Queen Creek5151 assumable homes · median 4.25%
- 17Sun City5151 assumable homes · median 4.17%
- 18Avondale4747 assumable homes · median 6.30%
- 19Litchfield Park4747 assumable homes · median 6.34%
- 20Apache Junction4545 assumable homes · median 4.28%
- 21Scottsdale4141 assumable homes · median 3.67%
- 22Prescott Valley3737 assumable homes · median 4.03%
- 23Tolleson3636 assumable homes · median 5.82%
- 24Prescott3535 assumable homes · median 4.65%
- 25Laveen3434 assumable homes · median 6.50%
- 26Bullhead City3131 assumable homes · median 3.98%
- 27Arizona City2929 assumable homes · median 6.34%
- 28Coolidge2828 assumable homes · median 6.35%
- 29Fort Mohave2828 assumable homes · median 3.83%
- 30Tonopah2828 assumable homes · median 6.21%
- 31Flagstaff2727 assumable homes · median 3.71%
- 32Tempe2525 assumable homes · median 5.49%
- 33Waddell2525 assumable homes · median 5.55%
- 34El Mirage2323 assumable homes · median 4.34%
- 35Golden Valley2121 assumable homes · median 4.83%
- 36Gold Canyon2020 assumable homes · median 4.32%
- 37Wittmann2020 assumable homes · median 5.92%
- 38Payson1919 assumable homes · median 4.14%
- 39Wickenburg1818 assumable homes · median 6.50%
- 40Hereford1717 assumable homes · median 3.68%
- 41Williams1616 assumable homes · median 6.33%
- 42Show Low1515 assumable homes · median 6.50%
- 43Sedona1414 assumable homes · median 4.82%
- 44Sun City West1414 assumable homes · median 6.30%
- 45Cave Creek1212 assumable homes · median 4.19%
- 46Chino Valley1212 assumable homes · median 3.77%
- 47Dewey-Humboldt1212 assumable homes · median 5.75%
- 48Mayer1212 assumable homes · median 6.15%
- 49Anthem1111 assumable homes · median 6.00%
- 50Paulden1111 assumable homes · median 3.22%
- 51Youngtown1111 assumable homes · median 6.10%
- 52Fountain Hills1010 assumable homes · median 4.42%
- 53Rimrock99 assumable homes · median 6.50%
- 54Camp Verde88 assumable homes · median 4.17%
- 55Douglas88 assumable homes · median 6.62%
- 56Eloy88 assumable homes · median 4.07%
- 57Tucson88 assumable homes · median 6.81%
- 58New River77 assumable homes · median 3.72%
- 59Sun Lakes77 assumable homes · median 3.73%
- 60Cottonwood66 assumable homes · median 3.79%
- 61Globe66 assumable homes · median 6.48%
- 62Huachuca City66 assumable homes · median 5.41%
- 63Overgaard66 assumable homes · median 5.89%
- 64Winslow66 assumable homes · median 5.02%
- 65Benson55 assumable homes · median 6.34%
- 66Dewey55 assumable homes · median 6.67%
- 67Meadview55 assumable homes · median 3.45%
- 68Pine55 assumable homes · median 6.56%
- 69Yucca44 assumable homes · median 6.55%
- 70Arlington33 assumable homes · median 3.64%
- 71Clarkdale33 assumable homes · median 3.55%
- 72Congress33 assumable homes · median 3.53%
- 73Cornville33 assumable homes · median 2.93%
- 74Lakeside33 assumable homes · median 5.41%
- 75McNeal33 assumable homes · median 6.19%
- 76Mohave Valley33 assumable homes · median 6.65%
- 77Morristown33 assumable homes · median 3.65%
- 78Rio Verde33 assumable homes · median 3.75%
- 79Topock33 assumable homes · median 3.13%
- 80Bellemont22 assumable homes · median 6.54%
- 81Dolan Springs22 assumable homes · median 5.23%
- 82Marana22 assumable homes · median 5.17%
- 83Miami22 assumable homes · median 5.91%
- 84Munds Park22 assumable homes · median 5.10%
- 85Pinetop22 assumable homes · median 6.57%
- 86Queen Valley22 assumable homes · median 6.53%
- 87Rio Rico22 assumable homes · median 5.17%
- 88Sahuarita22 assumable homes · median 6.07%
- 89Salome22 assumable homes · median 5.05%
- 90Skull Valley22 assumable homes · median 2.86%
- 91Snowflake22 assumable homes · median 6.20%
- 92Strawberry22 assumable homes · median 3.25%
- 93Taylor22 assumable homes · median 5.12%
- 94Thatcher22 assumable homes · median 5.05%
- 95Tombstone22 assumable homes · median 5.82%
- 96Vail22 assumable homes · median 4.31%
- 97Aguila11 assumable home · median 2.78%
- 98Ash Fork11 assumable home · median 7.09%
- 99Bisbee11 assumable home · median 6.50%
- 100Black Canyon City11 assumable home · median 6.64%
- 101Bouse11 assumable home · median 4.00%
- 102Cibola11 assumable home · median 6.12%
- 103Eagar11 assumable home · median 6.24%
- 104Elgin11 assumable home · median 6.72%
- 105Happy Jack11 assumable home · median 2.81%
- 106Heber11 assumable home · median 3.02%
- 107Humboldt11 assumable home · median 6.47%
- 108Mormon Lake11 assumable home · median 3.57%
- 109Oro Valley11 assumable home · median 5.27%
- 110Page11 assumable home · median 7.00%
- 111Pinedale11 assumable home · median 2.25%
- 112Quartzsite11 assumable home · median 4.67%
- 113Red Rock11 assumable home · median 3.82%
- 114Roosevelt11 assumable home · median 2.91%
- 115Seligman11 assumable home · median 6.69%
- 116Sonoita11 assumable home · median 2.78%
- 117St. Johns11 assumable home · median 3.49%
- 118Tonto Basin11 assumable home · median 6.50%
- 119Valley Farms11 assumable home · median 5.30%
- 120Vernon11 assumable home · median 3.80%
- 121Wellton11 assumable home · median 6.58%
- 122Willcox11 assumable home · median 2.24%
- 123Yuma11 assumable home · median 6.30%
Also covered in Arizona, no verified assumable listings today:
- Ajo
- Alpine
- Amado
- Arivaca
- Bagdad
- Beaver Dam
- Blue
- Bowie
- Carefree
- Central
- Chambers
- Chloride
- Clay Springs
- Claypool
- Clifton
- Cochise
- Colorado City
- Concho
- Cordes Lakes
- Corona de Tucson
- Crown King
- Dateland
- Dragoon
- Dudleyville
- Duncan
- Eden
- Ehrenberg
- Elfrida
- Forest Lakes
- Fort McDowell
- Fort Thomas
- Fredonia
- Gila Bend
- Green Valley
- Greer
- Groom Creek
- Guadalupe
- Hackberry
- Hayden
- Holbrook
- Jerome
- Joseph City
- Kearny
- Kirkland
- Lake Havasu City
- Littlefield
- Mammoth
- Mobile
- 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
- Tubac
- Tumacacori
- Valentine
- Wenden
- White Hills
- Wikieup
- Winkelman
- Woodruff
- Yarnell
- Young
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 3,164 homes for sale with an assumable mortgage as of October 2026: 1,838 FHA loans and 1,326 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 5.22%; 1,271 listings are under 4% and 1,500 are under 5%.
The median assumable home in Arizona lists for $399,999, with a median of $116,824 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 $1,689 a month versus $2,243 for the same balance at today's rate, roughly $555 kept every month and $6,657 a year. The deepest Arizona inventory is in Phoenix (418), 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 3,164 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
- 3,164
- UMe Certified / verified
- 36
- Lowest rate
- 2.01%
- Median rate
- 5.22%
- Median list price
- $399,999
- Median cash to assume
- $116,824
Arizona listings by locked rate
- Under 4%1,271 homes
- 4% – 5%229 homes
- 5% – 6%232 homes
- 6% and up1,403 homes
Arizona listings by loan type
- FHA1,838 homesmedian 6.09%
- VA1,326 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: $399,999 list price and a 5.22% 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
29% 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
$1,668/mo
New loan at 7.20%$1,935
Assumed at 5.20%
$1,668
Every month$267
Over five years$16,008
Interest you never pay$176,10026-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 $116,824 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 3,164 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 (1,838, median 6.09%) and VA (1,326, 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 3,164 listings is 5.22%. 1,271 listings are under 4% and 1,500 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 $1,689 per month versus $2,243 for the same balance at today's rates, a difference of about $555 every month, or $6,657 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 $116,824 on a median list price of $399,999. 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 Arizona cities have the most assumable homes?
The deepest assumable inventory in Arizona is in Phoenix (418), 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.
