VA
Active
23$339,900$60,458 equity gap
- Rate
- 3.14%
7.40%today- Payment
- $1,334/mo
$2,152today
- 4beds
- 3baths
- 2,650sqft
Arkansas · Statewide
Assumable homes for salein Arkansas.
An assumable mortgage lets you take over a seller’s existing low-rate FHA, VA, or USDA loan instead of financing at today’s 7.2%. These are the ones we verify in Arkansas.
Live MLS data · Updated
Arkansas assumable market
by the numbers.
6active assumable listings
3.04%average locked rate
$502ktypical list price
$1,025saved per month vs. 7.2%
Across Arkansas
Assumable homesby Arkansas 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 Arkansas on the mapAlso covered in Arkansas, no verified assumable listings today:
About the market
Assumable mortgagesin Arkansas, explained.
Every number on this page comes from the live MLS feeds UMe indexes across Arkansas. Updated October 2026.
How assumptions work for buyersAs of October 2026, UMe has no verified assumable listings in Arkansas. That changes quickly: assumable homes come on the market every week across Arkansas as sellers with FHA, VA, and USDA loans written at 2% to 5% decide to move. Save a Arkansas search on the map and we will email you the moment one lands.
An assumable mortgage lets a qualified buyer take over the seller's existing loan, keeping the original rate, balance, and remaining term instead of financing at today's roughly 7.2%. FHA, VA, and USDA loans are assumable by law; conventional loans almost never are. UMe confirms the loan terms with the listing agent, runs the assumption with the servicer, and connects buyers with lenders who write second loans behind an assumption when the seller's equity is more than their cash.
Verified across Arkansas
Homes on the marketacross Arkansas.
VA
Active
34$325,000$68,265 equity gap
- Rate
- 2.99%
7.40%today- Payment
- $1,208/mo
$1,986today
- 4beds
- 3baths
- 3,062sqft
2375 CHERRY SPRINGS CV, Cordova
VA
Active
36$722,000$463,529 equity gap
- Rate
- 2.97%
7.40%today- Payment
- $1,227/mo
$2,023today
- 4beds
- 6baths
- 5,011sqft
8449 LANSINGWOOD CV, Germantown
FHA
Active
13$588,000$380,957 equity gap
- Rate
- 2.98%
7.40%today- Payment
- $971/mo
$1,599today
- 6beds
- 4baths
- 3,410sqft
4339 AMBER LN, Memphis
FHA
Active
40$400,000$375,761 equity gap
- Rate
- 3.07%
7.40%today- Payment
- $113/mo
$184today
- 4beds
- 3baths
- 2,813sqft
1378 GOODBAR AVE, Memphis
VA
Active
40$640,000$258,073 equity gap
- Rate
- 3.10%
7.40%today- Payment
- $1,886/mo
$3,058today
- 5beds
- 4baths
- 3,498sqft
11153 MEMPHIS ARLINGTON RD, Arlington
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.
Run the Arkansas numbers
What an assumable ratedoes to an Arkansas payment.
The sliders start at the median Arkansas assumable listing: $502,483 list price and a 3.04% 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)$100,000
20% 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 Arkansas
$1,858/mo
New loan at 7.20%$2,715
Assumed at 3.05%
$1,858
Every month$857
Over five years$51,404
Interest you never pay$397,62826-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 Arkansas listing on UMe shows the actual balance, rate, and payment.
How it works in Arkansas
How to assumea mortgage in Arkansas.
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 Arkansas home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Arkansas 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. 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 Arkansas payment written in a different decade.
Arkansas questions
Assuming a mortgagein Arkansas.
The numbers below come from current Arkansas inventory and update as listings change.
All assumption FAQsAre there assumable homes for sale in Arkansas?
As of October 2026, there are no verified assumable listings in Arkansas. New assumable homes appear every week across Arkansas; save a search on the map and we will email you when one lands in Arkansas.
What types of loans can be assumed in Arkansas?
FHA, VA, and USDA mortgages are assumable by law and make up nearly all assumable listings in Arkansas. Conventional loans usually include a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan.
How long does a mortgage assumption take in Arkansas?
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 Arkansas.The rate is already on the house.
Every listing on the Arkansas 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.