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Assumable homes for sale in Surprise, AZ

34 homesVA & FHA loansrates from 2.39% vs 7.32% today

Surprise assumption guide
14404 WETHERSFIELD Road, Surprise, AZ, 85379 — assumable VA mortgage at 3.10%
VATop pick
Active
36
$599,000$12,229 equity gap
Rate
3.10%
7.32%today
Payment
$2,783/mo
$4,476today
  • 4beds
  • 4baths
  • 3,064sqft

14404 WETHERSFIELD Road, 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

15762 CHERYL Drive, Waddell, AZ, 85355 — assumable VA mortgage at 3.49%
VA
Active
45
$568,900$47,376 equity gap
Rate
3.49%
7.32%today
Payment
$2,377/mo
$3,641today
  • 3beds
  • 3baths
  • 2,507sqft

15762 CHERYL Drive, Waddell

15546 GELDING Drive, Surprise, AZ, 85379 — assumable VA mortgage at 2.84%
VA
Active
54
$504,999$176,164 equity gap
Rate
2.84%
7.32%today
Payment
$1,529/mo
$2,542today
  • 4beds
  • 3baths
  • 3,659sqft

15546 GELDING Drive, Surprise

15760 Boca Raton Road, Surprise, AZ, 85379 — assumable FHA mortgage at 2.94%
FHA
Active
62
$472,900$182,950 equity gap
Rate
2.94%
7.32%today
Payment
$1,401/mo
$2,301today
  • 3beds
  • 3baths
  • 2,481sqft

15760 Boca Raton Road, Surprise

14955 BLOOMFIELD Road, Surprise, AZ, 85379 — assumable VA mortgage at 3.05%
VA
Active
33
$494,990$152,155 equity gap
Rate
3.05%
7.32%today
Payment
$1,624/mo
$2,629today
  • 4beds
  • 3baths
  • 2,839sqft

14955 BLOOMFIELD Road, Surprise

14121 SURREY Drive, Surprise, AZ, 85379 — assumable FHA mortgage at 3.24%
FHA
Active
44
$450,000$179,830 equity gap
Rate
3.24%
7.32%today
Payment
$1,354/mo
$2,140today
  • 4beds
  • 3baths
  • 2,027sqft

14121 SURREY Drive, 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

14665 CORRINE Drive, Surprise, AZ, 85379 — assumable VA mortgage at 2.90%
VA
Active
92
$650,000$332,636 equity gap
Rate
2.90%
7.32%today
Payment
$1,489/mo
$2,457today
  • 3beds
  • 3baths
  • 2,506sqft

14665 CORRINE Drive, Surprise

16259 CORTEZ Street, Surprise, AZ, 85379 — assumable VA mortgage at 2.94%
VA
Active
27
$587,000$265,111 equity gap
Rate
2.94%
7.32%today
Payment
$1,548/mo
$2,542today
  • 4beds
  • 3baths
  • 2,922sqft

16259 CORTEZ Street, Surprise

15784 CROCUS Drive, Surprise, AZ, 85379 — assumable FHA mortgage at 3.46%
FHA
Active
18
$405,000$262,983 equity gap
Rate
3.46%
7.32%today
Payment
$816/mo
$1,255today
  • 3beds
  • 2baths
  • 1,756sqft

15784 CROCUS Drive, Surprise

14528 CAMERON Drive, Surprise, AZ, 85379 — assumable VA mortgage at 3.55%
VA
Active
73
$620,000$510,324 equity gap
Rate
3.55%
7.32%today
Payment
$744/mo
$1,131today
  • 4beds
  • 3baths
  • 3,282sqft

14528 CAMERON Drive, Surprise

15756 REDFIELD Road, Surprise, AZ, 85379 — assumable VA mortgage at 3.70%
VA
Active
23
$419,777$279,197 equity gap
Rate
3.70%
7.32%today
Payment
$749/mo
$1,117today
  • 4beds
  • 3baths
  • 2,287sqft

15756 REDFIELD Road, Surprise

13633 LISBON Lane, Surprise, AZ, 85379 — assumable FHA mortgage at 4.14%
FHA
Active
47
$449,900$209,968 equity gap
Rate
4.14%
7.32%today
Payment
$1,358/mo
$1,922today
  • 4beds
  • 3baths
  • 2,950sqft

13633 LISBON Lane, Surprise

13485 145th Drive, Surprise, AZ, 85379 — assumable FHA mortgage at 6.39%
FHA
Active
28
$515,000$23,513 equity gap
Rate
6.39%
7.32%today
Payment
$3,195/mo
$3,512today
  • 3beds
  • 2baths
  • 1,909sqft

13485 145th Drive, Surprise

14600 Valentine Street, Surprise, AZ, 85379 — assumable VA mortgage at 6.72%
VA
Active
42
$407,000Potential short sale
Rate
6.72%
7.32%today
Payment
$2,671/mo
$2,838today
  • 3beds
  • 2baths
  • 1,374sqft

14600 Valentine Street, Surprise

13784 COUNTRY GABLES Drive, Surprise, AZ, 85379 — assumable VA mortgage at 7.02%
VA
Active
51
$465,000$23,038 equity gap
Rate
7.02%
7.32%today
Payment
$3,015/mo
$3,107today
  • 3beds
  • 3baths
  • 2,387sqft

13784 COUNTRY GABLES Drive, Surprise

15582 CORTEZ Street, Surprise, AZ, 85379 — assumable VA mortgage at 5.22%
VA
Active
41
$580,000$123,564 equity gap
Rate
5.22%
7.32%today
Payment
$2,668/mo
$3,331today
  • 4beds
  • 4baths
  • 3,950sqft

15582 CORTEZ Street, Surprise

12729 145TH Drive, Surprise, AZ, 85379 — assumable FHA mortgage at 5.23%
FHA
Active
32
$530,000$122,787 equity gap
Rate
5.23%
7.32%today
Payment
$2,394/mo
$2,985today
  • 4beds
  • 3baths
  • 2,192sqft

12729 145TH Drive, Surprise

14594 COLUMBINE Drive, Surprise, AZ, 85379 — assumable VA mortgage at 6.11%
VA
Active
24
$450,000$38,934 equity gap
Rate
6.11%
7.32%today
Payment
$2,506/mo
$2,838today
  • 3beds
  • 2baths
  • 1,744sqft

14594 COLUMBINE Drive, Surprise

15338 BOCA RATON Road, Surprise, AZ, 85379 — assumable FHA mortgage at 6.32%
FHA
Active
31
$414,900$34,222 equity gap
Rate
6.32%
7.32%today
Payment
$2,467/mo
$2,732today
  • 3beds
  • 2baths
  • 1,512sqft

15338 BOCA RATON Road, 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

15787 POINSETTIA Drive, Surprise, AZ, 85379 — assumable VA mortgage at 6.66%
VA
Active
58
$570,000$42,649 equity gap
Rate
6.66%
7.32%today
Payment
$3,547/mo
$3,792today
  • 5beds
  • 4baths
  • 3,294sqft

15787 POINSETTIA Drive, 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

15864 SHAW BUTTE Drive, Surprise, AZ, 85379 — assumable VA mortgage at 6.94%
VA
Active
49
$700,000$66,336 equity gap
Rate
6.94%
7.32%today
Payment
$4,298/mo
$4,465today
  • 6beds
  • 4baths
  • 4,034sqft

15864 SHAW BUTTE Drive, Surprise

13740 BANFF Lane, Surprise, AZ, 85379 — assumable FHA mortgage at 6.27%
FHA
Active
70
$499,950$71,039 equity gap
Rate
6.27%
7.32%today
Payment
$2,772/mo
$3,087today
  • 4beds
  • 3baths
  • 3,435sqft

13740 BANFF Lane, Surprise

15480 CORRINE Drive, Surprise, AZ, 85379 — assumable FHA mortgage at 6.64%
FHA
Active
36
$539,000$62,319 equity gap
Rate
6.64%
7.32%today
Payment
$3,099/mo
$3,320today
  • 3beds
  • 2baths
  • 2,085sqft

15480 CORRINE 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

15561 GELDING Drive, Surprise, AZ, 85379 — assumable FHA mortgage at 7.31%
FHA
Active
37
$479,000$133,211 equity gap
Rate
7.31%
7.32%today
Payment
$2,444/mo
$2,446today
  • 4beds
  • 3baths
  • 2,408sqft

15561 GELDING Drive, 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

14250 WETHERSFIELD Road, Surprise, AZ, 85379 — assumable FHA mortgage at 6.15%
FHA
Active
11
$460,000$38,535 equity gap
Rate
6.15%
7.32%today
Payment
$2,686/mo
$3,028today
  • 3beds
  • 2baths
  • 1,707sqft

14250 WETHERSFIELD Road, Surprise

15439 DREYFUS Street, Surprise, AZ, 85379 — assumable VA mortgage at 6.46%
VA
Active
63
$430,000Potential short sale
Rate
6.46%
7.32%today
Payment
$3,114/mo
$3,399today
  • 4beds
  • 3baths
  • 2,334sqft

15439 DREYFUS Street, Surprise

15011 142ND Lane, Surprise, AZ, 85379 — assumable FHA mortgage at 6.61%
FHA
Active
17
$322,000Potential short sale
Rate
6.61%
7.32%today
Payment
$2,260/mo
$2,428today
  • 3beds
  • 3baths
  • 1,574sqft

15011 142ND Lane, Surprise

13926 156TH Lane, Surprise, AZ, 85379 — assumable FHA mortgage at 7.22%
FHA
Active
45
$400,000$386,670 equity gap
Rate
7.22%
7.32%today
Payment
$86/mo
$87today
  • 4beds
  • 3baths
  • 2,645sqft

13926 156TH Lane, 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.

Lowest existing rate
2.39%
Lowest existing payment
$744 /mo
Median cash to assume
$106,304
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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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