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Arizona · Statewide

Assumable homes for salein Arizona.

3,128 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 3,128 Arizona listings Get pre-qualified

Live MLS data · Updated

Arizona assumable market
by the numbers.

3,128active 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
  1. 01Phoenix410410 assumable homes · median 4.46%
  2. 02Mesa223223 assumable homes · median 5.10%
  3. 03Buckeye177177 assumable homes · median 5.71%
  4. 04Surprise172172 assumable homes · median 6.12%
  5. 05Maricopa157157 assumable homes · median 5.24%
  6. 06San Tan Valley138138 assumable homes · median 6.14%
  7. 07Glendale114114 assumable homes · median 5.22%
  8. 08Casa Grande105105 assumable homes · median 5.98%
  9. 09Goodyear104104 assumable homes · median 5.11%
  10. 10Peoria9393 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. 15Queen Creek5353 assumable homes · median 4.25%
  16. 16Sierra Vista5353 assumable homes · median 5.12%
  17. 17Litchfield Park4949 assumable homes · median 6.35%
  18. 18Sun City4949 assumable homes · median 4.51%
  19. 19Avondale4646 assumable homes · median 6.31%
  20. 20Apache Junction4444 assumable homes · median 5.03%
  21. 21Laveen3939 assumable homes · median 6.45%
  22. 22Scottsdale3939 assumable homes · median 3.67%
  23. 23Prescott Valley3737 assumable homes · median 4.03%
  24. 24Tolleson3636 assumable homes · median 5.82%
  25. 25Prescott3434 assumable homes · median 4.65%
  26. 26Bullhead City3030 assumable homes · median 4.60%
  27. 27Arizona City2929 assumable homes · median 6.32%
  28. 28Fort Mohave2828 assumable homes · median 3.73%
  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. 35Gold Canyon2020 assumable homes · median 4.32%
  36. 36Golden Valley2020 assumable homes · median 4.68%
  37. 37Payson2020 assumable homes · median 4.16%
  38. 38Wittmann2020 assumable homes · median 5.92%
  39. 39Wickenburg1818 assumable homes · median 6.50%
  40. 40Hereford1616 assumable homes · median 3.69%
  41. 41Williams1616 assumable homes · median 6.33%
  42. 42Sun City West1515 assumable homes · median 6.22%
  43. 43Sedona1414 assumable homes · median 4.82%
  44. 44Show Low1414 assumable homes · median 6.55%
  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 4.79%
  56. 56New River77 assumable homes · median 3.72%
  57. 57Tucson77 assumable homes · median 6.78%
  58. 58Youngtown77 assumable homes · median 6.62%
  59. 59Benson66 assumable homes · median 5.13%
  60. 60Cottonwood66 assumable homes · median 3.79%
  61. 61Globe66 assumable homes · median 6.48%
  62. 62Overgaard66 assumable homes · median 5.89%
  63. 63Sun Lakes66 assumable homes · median 5.06%
  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. 69Lakeside44 assumable homes · median 6.00%
  70. 70Mohave Valley44 assumable homes · median 5.09%
  71. 71Rio Verde44 assumable homes · median 5.19%
  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. 77McNeal33 assumable homes · median 6.19%
  78. 78Morristown33 assumable homes · median 3.65%
  79. 79Tombstone33 assumable homes · median 6.22%
  80. 80Topock33 assumable homes · median 3.92%
  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 3,128 homes for sale with an assumable mortgage as of October 2026: 1,826 FHA loans and 1,302 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%; 1,247 listings are under 4% and 1,470 are under 5%.

The median assumable home in Arizona lists for $399,999, with a median of $115,704 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 $1,699 a month versus $2,254 for the same balance at today's rate, roughly $555 kept every month and $6,661 a year. The deepest Arizona inventory is in Phoenix (410), Mesa (223), Buckeye (177), Surprise (172), and Maricopa (157).

35 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 3,128 on the map
8803 Orchid Lane, Peoria, AZ, 85345 — assumable VA mortgage at 2.50%
VA
Active
12
$409,999$89,296 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
3,128
UMe Certified / verified
35
Lowest rate
2.01%
Median rate
5.23%
Median list price
$399,999
Median cash to assume
$115,704

Arizona listings by locked rate

  1. Under 4%1,247 homes
  2. 4% – 5%223 homes
  3. 5% – 6%234 homes
  4. 6% and up1,394 homes

Arizona listings by loan type

  • FHA1,826 homesmedian 6.11%
  • VA1,302 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 5.23% 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 $115,704 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 3,128 active assumable listings in Arizona. 35 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 (1,826, median 6.11%) and VA (1,302, 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 3,128 listings is 5.23%. 1,247 listings are under 4% and 1,470 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 $1,699 per month versus $2,254 for the same balance at today's rates, a difference of about $555 every month, or $6,661 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 $115,704 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 (410), Mesa (223), Buckeye (177), Surprise (172), and Maricopa (157). 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