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Arizona · Statewide

Assumable homes for salein Arizona.

3,144 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%.

Browse 3,144 Arizona listings Get pre-qualified

Live MLS data · Updated

Arizona assumable market
by the numbers.

3,144active assumable listings
2.01%lowest locked rate
$400kmedian list price
$550saved 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
  1. 01Phoenix405405 assumable homes · median 4.50%
  2. 02Mesa223223 assumable homes · median 5.10%
  3. 03Buckeye178178 assumable homes · median 5.97%
  4. 04Surprise175175 assumable homes · median 6.12%
  5. 05Maricopa159159 assumable homes · median 5.41%
  6. 06San Tan Valley138138 assumable homes · median 6.17%
  7. 07Glendale117117 assumable homes · median 5.22%
  8. 08Goodyear109109 assumable homes · median 5.22%
  9. 09Casa Grande106106 assumable homes · median 5.81%
  10. 10Peoria9494 assumable homes · median 4.99%
  11. 11Gilbert7676 assumable homes · median 3.91%
  12. 12Chandler6565 assumable homes · median 5.41%
  13. 13Kingman5555 assumable homes · median 5.05%
  14. 14Florence5353 assumable homes · median 6.11%
  15. 15Sierra Vista5353 assumable homes · median 5.12%
  16. 16Queen Creek5252 assumable homes · median 4.33%
  17. 17Litchfield Park5151 assumable homes · median 6.34%
  18. 18Sun City5050 assumable homes · median 4.34%
  19. 19Apache Junction4646 assumable homes · median 5.03%
  20. 20Avondale4444 assumable homes · median 6.20%
  21. 21Scottsdale4040 assumable homes · median 3.73%
  22. 22Prescott Valley3838 assumable homes · median 4.11%
  23. 23Tolleson3737 assumable homes · median 6.11%
  24. 24Laveen3636 assumable homes · median 6.39%
  25. 25Prescott3434 assumable homes · median 4.65%
  26. 26Bullhead City3030 assumable homes · median 4.60%
  27. 27Arizona City2929 assumable homes · median 6.34%
  28. 28Fort Mohave2929 assumable homes · median 3.76%
  29. 29Tonopah2828 assumable homes · median 6.21%
  30. 30Coolidge2727 assumable homes · median 6.36%
  31. 31Flagstaff2727 assumable homes · median 3.71%
  32. 32El Mirage2525 assumable homes · median 3.87%
  33. 33Waddell2525 assumable homes · median 5.63%
  34. 34Tempe2424 assumable homes · median 5.98%
  35. 35Golden Valley2121 assumable homes · median 4.83%
  36. 36Gold Canyon2020 assumable homes · median 4.32%
  37. 37Payson1919 assumable homes · median 4.14%
  38. 38Wittmann1919 assumable homes · median 6.06%
  39. 39Wickenburg1818 assumable homes · median 6.50%
  40. 40Hereford1616 assumable homes · median 3.69%
  41. 41Williams1616 assumable homes · median 6.33%
  42. 42Show Low1515 assumable homes · median 6.50%
  43. 43Sun City West1515 assumable homes · median 6.22%
  44. 44Sedona1414 assumable homes · median 4.82%
  45. 45Chino Valley1313 assumable homes · median 4.00%
  46. 46Cave Creek1212 assumable homes · median 4.19%
  47. 47Dewey-Humboldt1212 assumable homes · median 5.75%
  48. 48Anthem1111 assumable homes · median 6.00%
  49. 49Paulden1111 assumable homes · median 3.22%
  50. 50Camp Verde1010 assumable homes · median 4.17%
  51. 51Fountain Hills1010 assumable homes · median 4.42%
  52. 52Mayer1010 assumable homes · median 5.55%
  53. 53Rimrock99 assumable homes · median 6.50%
  54. 54Douglas88 assumable homes · median 6.62%
  55. 55Eloy88 assumable homes · median 4.07%
  56. 56Youngtown88 assumable homes · median 5.16%
  57. 57New River77 assumable homes · median 3.72%
  58. 58Sun Lakes77 assumable homes · median 3.73%
  59. 59Tucson77 assumable homes · median 6.78%
  60. 60Benson66 assumable homes · median 5.13%
  61. 61Cottonwood66 assumable homes · median 3.79%
  62. 62Globe66 assumable homes · median 6.48%
  63. 63Overgaard66 assumable homes · median 5.89%
  64. 64Winslow66 assumable homes · median 5.02%
  65. 65Huachuca City55 assumable homes · median 5.68%
  66. 66Meadview55 assumable homes · median 3.45%
  67. 67Pine55 assumable homes · median 6.56%
  68. 68Dewey44 assumable homes · median 6.78%
  69. 69Mohave Valley44 assumable homes · median 5.09%
  70. 70Rio Verde44 assumable homes · median 5.19%
  71. 71Topock44 assumable homes · median 3.52%
  72. 72Yucca44 assumable homes · median 6.55%
  73. 73Arlington33 assumable homes · median 3.64%
  74. 74Clarkdale33 assumable homes · median 3.55%
  75. 75Congress33 assumable homes · median 3.53%
  76. 76Cornville33 assumable homes · median 2.93%
  77. 77Lakeside33 assumable homes · median 5.41%
  78. 78McNeal33 assumable homes · median 6.19%
  79. 79Morristown33 assumable homes · median 3.65%
  80. 80Tombstone33 assumable homes · median 6.22%
  81. 81Bellemont22 assumable homes · median 6.54%
  82. 82Dolan Springs22 assumable homes · median 5.23%
  83. 83Marana22 assumable homes · median 5.17%
  84. 84Miami22 assumable homes · median 5.91%
  85. 85Munds Park22 assumable homes · median 5.10%
  86. 86Pinetop22 assumable homes · median 6.57%
  87. 87Queen Valley22 assumable homes · median 6.53%
  88. 88Rio Rico22 assumable homes · median 5.17%
  89. 89Sahuarita22 assumable homes · median 6.07%
  90. 90Salome22 assumable homes · median 5.05%
  91. 91Skull Valley22 assumable homes · median 2.86%
  92. 92Snowflake22 assumable homes · median 6.20%
  93. 93Strawberry22 assumable homes · median 3.25%
  94. 94Taylor22 assumable homes · median 5.12%
  95. 95Thatcher22 assumable homes · median 5.05%
  96. 96Vail22 assumable homes · median 4.31%
  97. 97Yuma22 assumable homes · median 6.69%
  98. 98Aguila11 assumable home · median 2.78%
  99. 99Ash Fork11 assumable home · median 7.09%
  100. 100Bisbee11 assumable home · median 6.50%
  101. 101Black Canyon City11 assumable home · median 6.64%
  102. 102Bouse11 assumable home · median 4.00%
  103. 103Cibola11 assumable home · median 6.12%
  104. 104Eagar11 assumable home · median 6.24%
  105. 105Elgin11 assumable home · median 6.72%
  106. 106Happy Jack11 assumable home · median 2.81%
  107. 107Heber11 assumable home · median 3.02%
  108. 108Humboldt11 assumable home · median 6.47%
  109. 109Mormon Lake11 assumable home · median 3.57%
  110. 110Oro Valley11 assumable home · median 5.27%
  111. 111Page11 assumable home · median 7.00%
  112. 112Pinedale11 assumable home · median 2.25%
  113. 113Quartzsite11 assumable home · median 4.67%
  114. 114Red Rock11 assumable home · median 3.82%
  115. 115Roosevelt11 assumable home · median 2.91%
  116. 116Seligman11 assumable home · median 6.69%
  117. 117Sonoita11 assumable home · median 2.78%
  118. 118St. Johns11 assumable home · median 3.49%
  119. 119Tonto Basin11 assumable home · median 6.50%
  120. 120Valley Farms11 assumable home · median 5.30%
  121. 121Vernon11 assumable home · median 3.80%
  122. 122Wellton11 assumable home · median 6.58%
  123. 123Willcox11 assumable home · median 2.24%

Also covered in Arizona, no verified assumable listings today:

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 buyers

Arizona has 3,144 homes for sale with an assumable mortgage as of October 2026: 1,834 FHA loans and 1,310 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%; 1,249 listings are under 4% and 1,474 are under 5%.

The median assumable home in Arizona lists for $399,999, with a median of $115,533 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 $1,705 a month versus $2,255 for the same balance at today's rate, roughly $550 kept every month and $6,602 a year. The deepest Arizona inventory is in Phoenix (405), Mesa (223), Buckeye (178), Surprise (175), and Maricopa (159).

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

Homes on the marketacross Arizona.

View all 3,144 on the map
8803 Orchid Lane, Peoria, AZ, 85345 — assumable VA mortgage at 2.50%
VA
Active
12
$409,999$90,070 equity gap
Rate
2.50%
7.40%today
Payment
$1,442/mo
$2,527today
  • 3beds
  • 2baths
  • 1,931sqft

8803 Orchid Lane, Peoria

44192 GRIFFIS Drive, Maricopa, AZ, 85138 — assumable VA mortgage at 2.875%
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

42443 HILLMAN Drive, Maricopa, AZ, 85138 — assumable VA mortgage at 2.249%
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

18230 LOUISE Drive, Surprise, AZ, 85387 — assumable VA mortgage at 2.25%
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

6226 14TH Street, Phoenix, AZ, 85014 — assumable VA mortgage at 2.50%
VA
Active
32
$879,990$181,304 equity gap
Rate
2.50%
7.40%today
Payment
$3,119/mo
$5,466today
  • 5beds
  • 3baths
  • —sqft

6226 14TH Street, Phoenix

1750 RENEGADE Trail, San Tan Valley, AZ, 85143 — assumable FHA mortgage at 2.88%
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

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
3,144
UMe Certified / verified
36
Lowest rate
2.01%
Median rate
5.23%
Median list price
$399,999
Median cash to assume
$115,533

Arizona listings by locked rate

  1. Under 4%1,249 homes
  2. 4% – 5%225 homes
  3. 5% – 6%236 homes
  4. 6% and up1,405 homes

Arizona listings by loan type

  • FHA1,834 homesmedian 6.11%
  • VA1,310 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: $399,999 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.

$400,000
$285,000

The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.

5.25%
26 yrs
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
$1,676/mo
New loan at 7.20%
$1,935
Assumed at 5.25%
$1,676
Every month$258
Over five years$15,499
Interest you never pay$173,45426-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.

Browse Arizona listings See what you qualify for
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
  1. 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.

  2. 02

    Cover the seller’s equity.

    You pay the seller the difference between the price and the remaining balance, a median of $115,533 in Arizona today. Cash, a second loan, or seller financing can bridge it.

  3. 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.

  4. 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 FAQs

How many assumable homes are for sale in Arizona?

As of October 2026, UMe tracks 3,144 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 (1,834, median 6.11%) and VA (1,310, 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 3,144 listings is 5.23%. 1,249 listings are under 4% and 1,474 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 $1,705 per month versus $2,255 for the same balance at today's rates, a difference of about $550 every month, or $6,602 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 $115,533 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 (405), Mesa (223), Buckeye (178), Surprise (175), 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.

Browse Arizona homes Talk to an assumption expert Selling a low rate? List it