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Arizona · Statewide

Assumable homes for salein Arizona.

3,037 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 3,037 Arizona listings Get pre-qualified

Live MLS data · Updated

Arizona assumable market
by the numbers.

3,037active assumable listings
2.01%lowest locked rate
$400kmedian list price
$560saved 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. 01Phoenix403403 assumable homes · median 4.42%
  2. 02Mesa225225 assumable homes · median 5.10%
  3. 03Buckeye172172 assumable homes · median 5.40%
  4. 04Surprise172172 assumable homes · median 5.89%
  5. 05Maricopa153153 assumable homes · median 4.59%
  6. 06San Tan Valley141141 assumable homes · median 6.22%
  7. 07Casa Grande103103 assumable homes · median 6.13%
  8. 08Goodyear9999 assumable homes · median 5.22%
  9. 09Glendale9696 assumable homes · median 5.22%
  10. 10Peoria8787 assumable homes · median 4.72%
  11. 11Gilbert7171 assumable homes · median 3.87%
  12. 12Chandler6464 assumable homes · median 4.53%
  13. 13Sierra Vista5757 assumable homes · median 3.96%
  14. 14Florence5454 assumable homes · median 5.41%
  15. 15Kingman5252 assumable homes · median 5.46%
  16. 16Litchfield Park5151 assumable homes · median 6.35%
  17. 17Queen Creek5050 assumable homes · median 4.33%
  18. 18Sun City4545 assumable homes · median 4.51%
  19. 19Avondale4444 assumable homes · median 6.21%
  20. 20Laveen4242 assumable homes · median 6.50%
  21. 21Apache Junction3939 assumable homes · median 4.28%
  22. 22Scottsdale3939 assumable homes · median 3.81%
  23. 23Tolleson3939 assumable homes · median 6.26%
  24. 24Prescott Valley3535 assumable homes · median 4.03%
  25. 25Prescott3333 assumable homes · median 4.65%
  26. 26Tonopah2929 assumable homes · median 5.04%
  27. 27Bullhead City2828 assumable homes · median 5.37%
  28. 28Waddell2727 assumable homes · median 5.63%
  29. 29Arizona City2626 assumable homes · median 5.95%
  30. 30Fort Mohave2626 assumable homes · median 3.79%
  31. 31Golden Valley2323 assumable homes · median 3.84%
  32. 32Coolidge2121 assumable homes · median 4.39%
  33. 33El Mirage2121 assumable homes · median 3.80%
  34. 34Flagstaff2121 assumable homes · median 4.04%
  35. 35Tempe2121 assumable homes · median 5.98%
  36. 36Gold Canyon2020 assumable homes · median 5.08%
  37. 37Wittmann2020 assumable homes · median 4.70%
  38. 38Hereford1919 assumable homes · median 3.69%
  39. 39Payson1919 assumable homes · median 5.27%
  40. 40Chino Valley1717 assumable homes · median 4.00%
  41. 41Wickenburg1616 assumable homes · median 6.43%
  42. 42Sedona1515 assumable homes · median 5.54%
  43. 43Williams1515 assumable homes · median 6.45%
  44. 44Show Low1313 assumable homes · median 6.50%
  45. 45Sun City West1313 assumable homes · median 6.30%
  46. 46Anthem1212 assumable homes · median 6.25%
  47. 47Cave Creek1212 assumable homes · median 4.19%
  48. 48Dewey-Humboldt1111 assumable homes · median 4.98%
  49. 49Paulden1111 assumable homes · median 4.29%
  50. 50Fountain Hills1010 assumable homes · median 4.42%
  51. 51Mayer99 assumable homes · median 6.26%
  52. 52Camp Verde88 assumable homes · median 3.37%
  53. 53Eloy88 assumable homes · median 4.79%
  54. 54Douglas77 assumable homes · median 6.50%
  55. 55New River77 assumable homes · median 3.72%
  56. 56Overgaard77 assumable homes · median 4.98%
  57. 57Rimrock77 assumable homes · median 6.73%
  58. 58Tucson77 assumable homes · median 6.42%
  59. 59Cottonwood66 assumable homes · median 3.79%
  60. 60Globe66 assumable homes · median 6.51%
  61. 61Huachuca City66 assumable homes · median 5.96%
  62. 62Sun Lakes66 assumable homes · median 5.06%
  63. 63Benson55 assumable homes · median 3.92%
  64. 64Congress55 assumable homes · median 3.62%
  65. 65Lakeside55 assumable homes · median 6.12%
  66. 66Meadview55 assumable homes · median 3.45%
  67. 67Pine55 assumable homes · median 6.56%
  68. 68Winslow55 assumable homes · median 3.78%
  69. 69Dewey44 assumable homes · median 6.83%
  70. 70Youngtown44 assumable homes · median 6.63%
  71. 71Yucca44 assumable homes · median 6.55%
  72. 72Arlington33 assumable homes · median 3.64%
  73. 73Clarkdale33 assumable homes · median 3.55%
  74. 74McNeal33 assumable homes · median 6.19%
  75. 75Miami33 assumable homes · median 6.90%
  76. 76Mohave Valley33 assumable homes · median 6.65%
  77. 77Munds Park33 assumable homes · median 3.70%
  78. 78Rio Rico33 assumable homes · median 4.37%
  79. 79Rio Verde33 assumable homes · median 6.63%
  80. 80Snowflake33 assumable homes · median 6.20%
  81. 81Topock33 assumable homes · median 3.92%
  82. 82Bellemont22 assumable homes · median 6.54%
  83. 83Cornville22 assumable homes · median 2.91%
  84. 84Dolan Springs22 assumable homes · median 5.23%
  85. 85Marana22 assumable homes · median 5.17%
  86. 86Morristown22 assumable homes · median 3.65%
  87. 87Queen Valley22 assumable homes · median 6.53%
  88. 88Strawberry22 assumable homes · median 3.25%
  89. 89Taylor22 assumable homes · median 5.12%
  90. 90Thatcher22 assumable homes · median 5.05%
  91. 91Tombstone22 assumable homes · median 5.29%
  92. 92Vail22 assumable homes · median 4.31%
  93. 93Yuma22 assumable homes · median 6.69%
  94. 94Aguila11 assumable home · median 2.78%
  95. 95Ash Fork11 assumable home · median 7.09%
  96. 96Cibola11 assumable home · median 6.12%
  97. 97Eagar11 assumable home · median 6.24%
  98. 98Elgin11 assumable home · median 6.72%
  99. 99Fredonia11 assumable home · median 7.06%
  100. 100Happy Jack11 assumable home · median 2.81%
  101. 101Heber11 assumable home · median 3.02%
  102. 102Mormon Lake11 assumable home · median 3.57%
  103. 103Oro Valley11 assumable home · median 5.27%
  104. 104Page11 assumable home · median 7.00%
  105. 105Pinedale11 assumable home · median 2.25%
  106. 106Pinetop11 assumable home · median 6.50%
  107. 107Quartzsite11 assumable home · median 4.67%
  108. 108Red Rock11 assumable home · median 3.82%
  109. 109Roosevelt11 assumable home · median 2.91%
  110. 110Sahuarita11 assumable home · median 5.50%
  111. 111Salome11 assumable home · median 6.11%
  112. 112Seligman11 assumable home · median 6.69%
  113. 113St. Johns11 assumable home · median 3.49%
  114. 114Tonto Basin11 assumable home · median 6.50%
  115. 115Valley Farms11 assumable home · median 5.30%
  116. 116Vernon11 assumable home · median 3.80%
  117. 117Willcox11 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 3,037 homes for sale with an assumable mortgage as of October 2026: 1,794 FHA loans and 1,243 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%; 1,220 listings are under 4% and 1,444 are under 5%.

The median assumable home in Arizona lists for $400,000, with a median of $116,190 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 $1,710 a month versus $2,270 for the same balance at today's rate, roughly $560 kept every month and $6,721 a year. The deepest Arizona inventory is in Phoenix (403), Mesa (225), Buckeye (172), Surprise (172), and Maricopa (153).

29 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 3,037 on the map
8803 Orchid Lane, Peoria, AZ, 85345 — assumable VA mortgage at 2.50%
VA
Active
12
$409,999$89,296 down
Rate
2.50%
7.28%today
Payment
$1,442/mo
$2,497today
  • 3beds
  • 2baths
  • 1,931sqft

8803 Orchid Lane, Peoria

1750 RENEGADE Trail, San Tan Valley, AZ, 85143 — assumable FHA mortgage at 2.88%
FHA
Active
43
$305,000$87,487 down
Rate
2.88%
7.28%today
Payment
$1,039/mo
$1,713today
  • 3beds
  • 2baths
  • 1,631sqft

1750 RENEGADE Trail, San Tan Valley

4340 AMBER RIDGE Way, Phoenix, AZ, 85048 — assumable VA mortgage at 2.99%
VA
Active
29
$400,000$89,691 down
Rate
2.99%
7.28%today
Payment
$1,444/mo
$2,347today
  • 3beds
  • 2baths
  • 1,352sqft

4340 AMBER RIDGE Way, Phoenix

6330 SANDRA Terrace, Glendale, AZ, 85306 — assumable FHA mortgage at 3.00%
FHA
Active
22
$389,900$110,029 down
Rate
3.00%
7.28%today
Payment
$1,345/mo
$2,183today
  • 3beds
  • 2baths
  • 1,394sqft

6330 SANDRA Terrace, Glendale

40641 BARRED Place, San Tan Valley, AZ, 85140 — assumable VA mortgage at 3.10%
VA
Active
21
$674,999$157,267 down
Rate
3.10%
7.28%today
Payment
$2,477/mo
$3,968today
  • 4beds
  • 4baths
  • 2,924sqft

40641 BARRED Place, San Tan Valley

22768 VIA DEL SOL --, Queen Creek, AZ, 85142 — assumable VA mortgage at 3.125%
VA
Active
33
$549,000$117,118 down
Rate
3.125%
7.28%today
Payment
$2,095/mo
$3,346today
  • 3beds
  • 2baths
  • 1,868sqft

22768 VIA DEL SOL --, Queen Creek

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
3,037
UMe Certified / verified
29
Lowest rate
2.01%
Median rate
5.22%
Median list price
$400,000
Median cash to assume
$116,190

Arizona listings by locked rate

  1. Under 4%1,220 homes
  2. 4% – 5%224 homes
  3. 5% – 6%221 homes
  4. 6% and up1,341 homes

Arizona listings by loan type

  • FHA1,794 homesmedian 6.08%
  • VA1,243 homesmedian 3.93%

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: $400,000 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.

$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.

5.20%
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
$1,668/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.

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 $116,190 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 3,037 active assumable listings in Arizona. 29 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 (1,794, median 6.08%) and VA (1,243, median 3.93%). 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 3,037 listings is 5.22%. 1,220 listings are under 4% and 1,444 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 $1,710 per month versus $2,270 for the same balance at today's rates, a difference of about $560 every month, or $6,721 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 $116,190 on a median list price of $400,000. 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 (403), Mesa (225), Buckeye (172), Surprise (172), and Maricopa (153). 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