VATop pick
Active
17$95,000Potential short sale
- Rate
- 3.47%
7.28%today- Payment
- $563/mo
$861today
- —beds
- —baths
- —sqft
Mohave Valley, Arizona
Assumable homes for salein Mohave Valley, Arizona.
3 homes in Mohave Valley carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.54%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Mohave Valley assumable market
by the numbers.
3active assumable listings
3.54%lowest locked rate
$385kmedian list price
$143saved per month vs. 7.2%
About the market
Assumable mortgagesin Mohave Valley, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Mohave Valley. Updated September 2026.
How assumptions work for buyersMohave Valley, Arizona has 3 homes for sale with an assumable mortgage as of September 2026: 3 FHA 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 Mohave Valley assumable listings start at 3.54% with a median of 6.65%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Mohave Valley lists for $385,000, with a median of $89,342 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 $1,719 a month versus $1,862 for the same balance at today's rate, roughly $143 kept every month and $1,722 a year. The most active Mohave Valley ZIP codes are 86440 (3).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. 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 Mohave Valley assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Mohave Valley
View all 3 on the map Homes on the marketin Mohave Valley.
FHA
Active
50$339,900$86,607 down
- Rate
- 2.74%
7.28%today- Payment
- $1,181/mo
$1,982today
- 3beds
- 2baths
- 1,816sqft
5532 Club House Court, Fort Mohave
VA
Active
51$369,000$102,026 down
- Rate
- 2.96%
7.28%today- Payment
- $1,263/mo
$2,061today
- 4beds
- 2baths
- 1,652sqft
1710 Feather Bush Way, Fort Mohave
VA
Active
47$284,000$66,526 down
- Rate
- 2.98%
7.28%today- Payment
- $1,029/mo
$1,674today
- 4beds
- 2baths
- 1,792sqft
2667 Mary Avenue, Fort Mohave
VA
Active
15$299,000$64,782 down
- Rate
- 3.07%
7.28%today- Payment
- $1,109/mo
$1,784today
- 3beds
- 2baths
- 1,737sqft
1890 Clear Lake Drive, Fort Mohave
VA
Active
47$349,000$118,382 down
- Rate
- 3.01%
7.28%today- Payment
- $1,123/mo
$1,820today
- 3beds
- 2baths
- 1,309sqft
2215 Family Circle, Bullhead City
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 Mohave Valley.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 3
- UMe Certified / verified
- 0
- Lowest rate
- 3.54%
- Median rate
- 6.65%
- Median list price
- $385,000
- Median cash to assume
- $89,342
Mohave Valley listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up2 homes
Mohave Valley listings by loan type
- FHA3 homesmedian 6.65%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Mohave Valley ZIP code.
Each ZIP opens the Mohave Valley map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Mohave Valley numbers
What an assumable ratedoes to a Mohave Valley payment.
The sliders start at the median Mohave Valley assumable listing: $385,000 list price and a 6.65% 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)$90,000
23% 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 Mohave Valley
$1,990/mo
New loan at 7.20%$2,002
Assumed at 6.65%
$1,990
Every month$13
Over five years$773
Interest you never pay$100,13326-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 Mohave Valley listing on UMe shows the actual balance, rate, and payment.
How it works in Mohave Valley
How to assumea mortgage in Mohave Valley.
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 a Mohave Valley home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Mohave Valley 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 $89,342 in Mohave Valley 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 a Mohave Valley payment written in a different decade.
Mohave Valley questions
Assuming a mortgagein Mohave Valley.
The numbers below come from current Mohave Valley inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Mohave Valley?
As of September 2026, UMe tracks 3 active assumable listings in Mohave Valley. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Mohave Valley?
Current Mohave Valley inventory breaks down as FHA (3, median 6.65%). 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 Mohave Valley?
The lowest rate on an active Mohave Valley assumable listing is 3.54%, and the median across all 3 listings is 6.65%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Mohave Valley?
Across current Mohave Valley listings, the median principal-and-interest payment on the assumable loan is $1,719 per month versus $1,862 for the same balance at today's rates, a difference of about $143 every month, or $1,722 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 Mohave Valley?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Mohave Valley that gap is currently a median of $89,342 on a median list price of $385,000. 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 Mohave Valley ZIP codes have the most assumable homes?
The Mohave Valley ZIP codes with the most active assumable listings are 86440 (3). Use the map to draw your own boundary or filter by rate, payment, and down payment inside any of them.
How long does a mortgage assumption take in Mohave Valley?
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.
Nearby markets
All of Arizona More assumable homesin Arizona.
Ready when you are
Stop overpaying for Mohave Valley.The rate is already on the house.
Every listing on the Mohave Valley map has a rate you can take over. Start with the ones in Mohave Valley, get pre-qualified in minutes, and let UMe carry the assumption to closing.