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Assumable homes for sale in Surprise, AZ

36 homesVA & FHA loansrates from 2.12% vs 7.32% today

Surprise assumption guide
14458 POWDERHORN Drive, Surprise, AZ, 85374 — assumable VA mortgage at 4.875%
VA
Active
70
$525,000$91,574 equity gap
Rate
4.875%
7.32%today
Payment
$2,341/mo
$3,039today
  • 3beds
  • 3baths
  • 2,114sqft

14458 POWDERHORN Drive, Surprise

16176 STATLER Street, Surprise, AZ, 85374 — assumable VA mortgage at 3.10%
VA
Active
33
$450,000$89,821 equity gap
Rate
3.10%
7.32%today
Payment
$1,708/mo
$2,748today
  • 6beds
  • 3baths
  • 2,166sqft

16176 STATLER Street, Surprise

14575 MOUNTAIN VIEW Boulevard #11220, Surprise, AZ, 85374 — assumable FHA mortgage at 2.81%
FHA
Active
47
$285,000$84,369 equity gap
Rate
2.81%
7.32%today
Payment
$949/mo
$1,585today
  • 3beds
  • 2baths
  • 1,651sqft

14575 MOUNTAIN VIEW Boulevard #11220, Surprise

15950 QUAIL CREEK Lane, Surprise, AZ, 85374 — assumable FHA mortgage at 3.76%
FHA
Active
28
$375,000$35,055 equity gap
Rate
3.76%
7.32%today
Payment
$1,726/mo
$2,556today
  • 2beds
  • 2baths
  • 1,278sqft

15950 QUAIL CREEK Lane, Surprise

17200 BELL Road #487, Surprise, AZ, 85374 — assumable VA mortgage at 3.07%
VA
Active
29
$295,000$78,660 equity gap
Rate
3.07%
7.32%today
Payment
$1,025/mo
$1,655today
  • —beds
  • —baths
  • —sqft

17200 BELL Road #487, Surprise

15121 WOODRIDGE Drive, Surprise, AZ, 85374 — assumable VA mortgage at 3.07%
VA
Active
30
$329,000$68,565 equity gap
Rate
3.07%
7.32%today
Payment
$1,234/mo
$1,992today
  • 2beds
  • 2baths
  • 1,183sqft

15121 WOODRIDGE Drive, Surprise

16854 RIMROCK Street, Surprise, AZ, 85388 — assumable VA mortgage at 3.10%
VA
Active
39
$385,000$100,477 equity gap
Rate
3.10%
7.32%today
Payment
$1,349/mo
$2,171today
  • 4beds
  • 3baths
  • 2,220sqft

16854 RIMROCK Street, Surprise

19925 TURQUOISE Point, Surprise, AZ, 85387 — assumable VA mortgage at 3.89%
VA
Active
64
$499,900$42,306 equity gap
Rate
3.89%
7.32%today
Payment
$2,355/mo
$3,435today
  • 2beds
  • 2baths
  • 1,814sqft

19925 TURQUOISE Point, Surprise

15963 171ST Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 2.67%
FHA
Active
41
$399,000$136,194 equity gap
Rate
2.67%
7.32%today
Payment
$1,222/mo
$2,077today
  • 3beds
  • 2baths
  • 1,670sqft

15963 171ST Drive, Surprise

16904 VILLAGIO Drive, Surprise, AZ, 85387 — assumable VA mortgage at 2.88%
VA
Active
46
$760,000$286,752 equity gap
Rate
2.88%
7.32%today
Payment
$2,272/mo
$3,760today
  • 3beds
  • 2baths
  • 2,334sqft

16904 VILLAGIO Drive, Surprise

17210 ELM Street, Surprise, AZ, 85388 — assumable VA mortgage at 2.12%
VA
Active
35
$449,500$272,777 equity gap
Rate
2.12%
7.32%today
Payment
$1,636/mo
$2,310today
  • 3beds
  • 2baths
  • 1,746sqft

17210 ELM Street, Surprise

14660 158TH Lane, Surprise, AZ, 85379 — assumable FHA mortgage at 2.39%
FHA
Active
43
$546,000$303,600 equity gap
Rate
2.39%
7.32%today
Payment
$2,342/mo
$3,246today
  • 5beds
  • 3baths
  • 2,660sqft

14660 158TH Lane, Surprise

15603 HIDDEN CREEK Lane, Surprise, AZ, 85374 — assumable VA mortgage at 2.39%
VA
Active
32
$465,000$382,200 equity gap
Rate
2.39%
7.32%today
Payment
$754/mo
$1,045today
  • 2beds
  • 2baths
  • 1,544sqft

15603 HIDDEN CREEK Lane, Surprise

15037 BOTTLE TREE Avenue, Surprise, AZ, 85374 — assumable FHA mortgage at 2.69%
FHA
Active
21
$359,000$199,932 equity gap
Rate
2.69%
7.32%today
Payment
$1,143/mo
$1,684today
  • 3beds
  • 2baths
  • 1,234sqft

15037 BOTTLE TREE Avenue, Surprise

17248 SMOKEY Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 2.88%
FHA
Active
42
$365,000$219,204 equity gap
Rate
2.88%
7.32%today
Payment
$697/mo
$1,153today
  • 3beds
  • 2baths
  • 1,485sqft

17248 SMOKEY Drive, Surprise

17200 BELL Road #1249, Surprise, AZ, 85374 — assumable FHA mortgage at 3.07%
FHA
Active
35
$279,000$144,138 equity gap
Rate
3.07%
7.32%today
Payment
$640/mo
$1,034today
  • 2beds
  • 2baths
  • 1,016sqft

17200 BELL Road #1249, Surprise

17216 Desert Lane, Surprise, AZ, 85388 — assumable FHA mortgage at 3.72%
FHA
Active
32
$339,900$133,976 equity gap
Rate
3.72%
7.32%today
Payment
$1,096/mo
$1,632today
  • 3beds
  • 2baths
  • 1,506sqft

17216 Desert Lane, Surprise

16819 Statler Street, Surprise, AZ, 85388 — assumable VA mortgage at 3.78%
VA
Active
48
$359,900$266,326 equity gap
Rate
3.78%
7.32%today
Payment
$536/mo
$792today
  • 3beds
  • 2baths
  • 1,471sqft

16819 Statler Street, Surprise

14575 MOUNTAIN VIEW Boulevard #612, Surprise, AZ, 85374 — assumable VA mortgage at 6.32%
VA
Active
18
$320,000Potential short sale
Rate
6.32%
7.32%today
Payment
$2,015/mo
$2,231today
  • 2beds
  • 2baths
  • 1,336sqft

14575 MOUNTAIN VIEW Boulevard #612, Surprise

16924 STEVENAGE Street, Surprise, AZ, 85374 — assumable VA mortgage at 6.44%
VA
Active
42
$399,900$16,433 equity gap
Rate
6.44%
7.32%today
Payment
$2,459/mo
$2,689today
  • 3beds
  • 2baths
  • 1,447sqft

16924 STEVENAGE Street, Surprise

14727 LUPINE Lane, Surprise, AZ, 85374 — assumable FHA mortgage at 6.54%
FHA
Active
53
$479,000$7,680 equity gap
Rate
6.54%
7.32%today
Payment
$3,116/mo
$3,372today
  • 4beds
  • 3baths
  • 2,337sqft

14727 LUPINE Lane, Surprise

16322 171ST Drive, Surprise, AZ, 85388 — assumable VA mortgage at 6.81%
VA
Active
56
$499,999$15,162 equity gap
Rate
6.81%
7.32%today
Payment
$3,198/mo
$3,366today
  • 4beds
  • 3baths
  • 2,839sqft

16322 171ST Drive, Surprise

15243 SPRINGLEAF Way, Surprise, AZ, 85374 — assumable VA mortgage at 7.63%
VA
Active
49
$415,000$18,407 equity gap
Rate
7.63%
7.32%today
Payment
$2,882/mo
$2,796today
  • 2beds
  • 2baths
  • 1,518sqft

15243 SPRINGLEAF Way, Surprise

14502 CARLIN Drive, Surprise, AZ, 85374 — assumable FHA mortgage at 6.33%
FHA
Active
36
$387,000$33,283 equity gap
Rate
6.33%
7.32%today
Payment
$2,300/mo
$2,544today
  • 4beds
  • 3baths
  • 1,999sqft

14502 CARLIN Drive, Surprise

16180 158TH Avenue, Surprise, AZ, 85374 — assumable VA mortgage at 6.43%
VA
Active
40
$549,700$50,308 equity gap
Rate
6.43%
7.32%today
Payment
$3,263/mo
$3,572today
  • 3beds
  • 3baths
  • 2,588sqft

16180 158TH Avenue, Surprise

14911 PORT ROYALE Lane, Surprise, AZ, 85379 — assumable VA mortgage at 6.85%
VA
Active
60
$375,000$32,786 equity gap
Rate
6.85%
7.32%today
Payment
$2,281/mo
$2,391today
  • 3beds
  • 2baths
  • 1,597sqft

14911 PORT ROYALE Lane, Surprise

14575 MOUNTAIN VIEW Boulevard #11208, Surprise, AZ, 85374 — assumable FHA mortgage at 6.12%
FHA
Active
43
$247,350$32,297 equity gap
Rate
6.12%
7.32%today
Payment
$1,335/mo
$1,510today
  • 2beds
  • 2baths
  • 1,289sqft

14575 MOUNTAIN VIEW Boulevard #11208, Surprise

18100 CATHERINE Drive, Surprise, AZ, 85374 — assumable FHA mortgage at 6.50%
FHA
Active
40
$429,500$58,854 equity gap
Rate
6.50%
7.32%today
Payment
$2,381/mo
$2,588today
  • 3beds
  • 3baths
  • 1,935sqft

18100 CATHERINE Drive, Surprise

17626 168TH Drive, Surprise, AZ, 85374 — assumable VA mortgage at 6.58%
VA
Active
26
$379,000$51,831 equity gap
Rate
6.58%
7.32%today
Payment
$2,179/mo
$2,348today
  • 3beds
  • 2baths
  • 1,679sqft

17626 168TH Drive, Surprise

15038 145TH Lane, Surprise, AZ, 85379 — assumable VA mortgage at 6.89%
VA
Active
25
$398,300$46,634 equity gap
Rate
6.89%
7.32%today
Payment
$2,342/mo
$2,445today
  • 5beds
  • 3baths
  • 2,105sqft

15038 145TH Lane, Surprise

17473 RAINBOW Circle, Surprise, AZ, 85374 — assumable VA mortgage at 6.94%
VA
Active
49
$439,934$52,746 equity gap
Rate
6.94%
7.32%today
Payment
$2,626/mo
$2,728today
  • 2beds
  • 2baths
  • 1,600sqft

17473 RAINBOW Circle, Surprise

17002 STEVENAGE Street, Surprise, AZ, 85374 — assumable FHA mortgage at 6.11%
FHA
Active
26
$399,900$90,704 equity gap
Rate
6.11%
7.32%today
Payment
$1,975/mo
$2,237today
  • 3beds
  • 2baths
  • 1,447sqft

17002 STEVENAGE Street, Surprise

16549 ARROYO Court, Surprise, AZ, 85374 — assumable VA mortgage at 6.19%
VA
Active
65
$799,000$165,517 equity gap
Rate
6.19%
7.32%today
Payment
$3,910/mo
$4,390today
  • 3beds
  • 2baths
  • 2,282sqft

16549 ARROYO Court, Surprise

16387 MONTE CRISTO Avenue, Surprise, AZ, 85388 — assumable FHA mortgage at 6.91%
FHA
Active
38
$389,000$134,132 equity gap
Rate
6.91%
7.32%today
Payment
$1,707/mo
$1,779today
  • 3beds
  • 2baths
  • 1,825sqft

16387 MONTE CRISTO Avenue, Surprise

16740 153RD Drive, Surprise, AZ, 85374 — assumable FHA mortgage at 6.09%
FHA
Active
12
$350,000Potential short sale
Rate
6.09%
7.32%today
Payment
$2,288/mo
$2,597today
  • 4beds
  • 3baths
  • 1,970sqft

16740 153RD Drive, Surprise

15134 ROUNDERS Drive, Surprise, AZ, 85374 — assumable VA mortgage at 7.12%
VA
Active
31
$599,000$320,141 equity gap
Rate
7.12%
7.32%today
Payment
$1,936/mo
$1,975today
  • 2beds
  • 2baths
  • 1,936sqft

15134 ROUNDERS Drive, Surprise

Assuming a mortgage in Surprise

An assumable mortgage lets you buy the home and take over the seller’s existing FHA, VA or USDA loan—its rate, balance and remaining term included. Each listing above shows the existing rate and payment next to what the same loan would cost at today’s rates (about 7.32%), so you can see the saving before you tour. 1 of the 36 homes here are UMe-verified, meaning the loan terms have been confirmed with the servicer.

Lowest existing rate
2.12%
Lowest existing payment
$536 /mo
Median cash to assume
$84,369
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eXp Realty

Equal Housing Opportunity

eXp Realty is committed to and abides by the Fair Housing Act and Equal Opportunity. Listing data is refreshed daily from participating MLS feeds; existing loan terms are estimates until verified with the servicer.

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