UMe
Get pre-qualified

Arizona · Statewide

Assumable homes for salein Arizona.

3,022 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 3,022 Arizona listings Get pre-qualified

Live MLS data · Updated

Arizona assumable market
by the numbers.

3,022active assumable listings
2.01%lowest locked rate
$400kmedian list price
$554saved 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. 01Phoenix422422 assumable homes · median 4.45%
  2. 02Mesa227227 assumable homes · median 4.98%
  3. 03Buckeye180180 assumable homes · median 5.13%
  4. 04Surprise170170 assumable homes · median 6.11%
  5. 05Maricopa158158 assumable homes · median 5.23%
  6. 06San Tan Valley143143 assumable homes · median 6.14%
  7. 07Glendale125125 assumable homes · median 4.97%
  8. 08Goodyear117117 assumable homes · median 5.25%
  9. 09Casa Grande110110 assumable homes · median 5.30%
  10. 10Peoria9292 assumable homes · median 5.05%
  11. 11Gilbert7070 assumable homes · median 3.89%
  12. 12Sierra Vista5959 assumable homes · median 4.51%
  13. 13Chandler5858 assumable homes · median 6.11%
  14. 14Florence5656 assumable homes · median 5.82%
  15. 15Sun City5656 assumable homes · median 4.17%
  16. 16Queen Creek5050 assumable homes · median 3.90%
  17. 17Apache Junction4848 assumable homes · median 5.78%
  18. 18Litchfield Park4848 assumable homes · median 6.27%
  19. 19Avondale4646 assumable homes · median 5.99%
  20. 20Scottsdale4242 assumable homes · median 4.61%
  21. 21Prescott Valley4141 assumable homes · median 4.19%
  22. 22Tolleson4040 assumable homes · median 5.82%
  23. 23Prescott3434 assumable homes · median 4.43%
  24. 24Arizona City3030 assumable homes · median 6.30%
  25. 25Flagstaff3030 assumable homes · median 4.79%
  26. 26Laveen3030 assumable homes · median 6.35%
  27. 27Tonopah3030 assumable homes · median 5.62%
  28. 28El Mirage2424 assumable homes · median 5.56%
  29. 29Coolidge2323 assumable homes · median 6.41%
  30. 30Tempe2323 assumable homes · median 4.03%
  31. 31Waddell2323 assumable homes · median 5.13%
  32. 32Gold Canyon2121 assumable homes · median 5.70%
  33. 33Wittmann1919 assumable homes · median 6.06%
  34. 34Payson1818 assumable homes · median 3.90%
  35. 35Wickenburg1818 assumable homes · median 6.39%
  36. 36Hereford1717 assumable homes · median 3.68%
  37. 37Show Low1414 assumable homes · median 6.55%
  38. 38Williams1414 assumable homes · median 6.33%
  39. 39Mayer1313 assumable homes · median 5.85%
  40. 40Chino Valley1212 assumable homes · median 4.28%
  41. 41Sun City West1212 assumable homes · median 5.88%
  42. 42Cave Creek1111 assumable homes · median 4.38%
  43. 43Sedona1111 assumable homes · median 5.54%
  44. 44Youngtown1111 assumable homes · median 6.64%
  45. 45Paulden1010 assumable homes · median 3.76%
  46. 46Anthem99 assumable homes · median 6.00%
  47. 47Fountain Hills99 assumable homes · median 3.30%
  48. 48Rimrock99 assumable homes · median 6.50%
  49. 49Camp Verde88 assumable homes · median 4.98%
  50. 50Dewey-Humboldt88 assumable homes · median 4.45%
  51. 51Douglas88 assumable homes · median 6.62%
  52. 52Benson77 assumable homes · median 3.92%
  53. 53Cottonwood77 assumable homes · median 4.43%
  54. 54Eloy77 assumable homes · median 2.91%
  55. 55New River77 assumable homes · median 3.97%
  56. 56Sun Lakes77 assumable homes · median 3.60%
  57. 57Tucson77 assumable homes · median 6.84%
  58. 58Huachuca City66 assumable homes · median 4.14%
  59. 59Winslow66 assumable homes · median 5.02%
  60. 60Dewey55 assumable homes · median 6.60%
  61. 61Globe55 assumable homes · median 6.39%
  62. 62Overgaard55 assumable homes · median 6.81%
  63. 63Pine55 assumable homes · median 6.56%
  64. 64Rio Verde44 assumable homes · median 5.09%
  65. 65Arlington33 assumable homes · median 3.64%
  66. 66Clarkdale33 assumable homes · median 3.55%
  67. 67Congress33 assumable homes · median 3.53%
  68. 68Cornville33 assumable homes · median 2.93%
  69. 69Lakeside33 assumable homes · median 5.41%
  70. 70Marana33 assumable homes · median 3.70%
  71. 71McNeal33 assumable homes · median 6.19%
  72. 72Miami33 assumable homes · median 6.87%
  73. 73Morristown33 assumable homes · median 3.65%
  74. 74Snowflake33 assumable homes · median 6.20%
  75. 75Tombstone33 assumable homes · median 6.22%
  76. 76Bellemont22 assumable homes · median 6.54%
  77. 77Kingman22 assumable homes · median 3.93%
  78. 78Munds Park22 assumable homes · median 5.10%
  79. 79Pinetop22 assumable homes · median 6.57%
  80. 80Queen Valley22 assumable homes · median 6.53%
  81. 81Rio Rico22 assumable homes · median 5.18%
  82. 82Sahuarita22 assumable homes · median 6.07%
  83. 83Salome22 assumable homes · median 5.06%
  84. 84Skull Valley22 assumable homes · median 2.86%
  85. 85Taylor22 assumable homes · median 5.12%
  86. 86Thatcher22 assumable homes · median 5.05%
  87. 87Vail22 assumable homes · median 4.31%
  88. 88Aguila11 assumable home · median 2.78%
  89. 89Ajo11 assumable home · median 3.57%
  90. 90Ash Fork11 assumable home · median 7.09%
  91. 91Black Canyon City11 assumable home · median 6.64%
  92. 92Cibola11 assumable home · median 6.12%
  93. 93Eagar11 assumable home · median 6.24%
  94. 94Elgin11 assumable home · median 6.72%
  95. 95Fort Mohave11 assumable home · median 2.70%
  96. 96Green Valley11 assumable home · median 3.77%
  97. 97Happy Jack11 assumable home · median 2.81%
  98. 98Heber11 assumable home · median 3.02%
  99. 99Holbrook11 assumable home · median 6.63%
  100. 100Humboldt11 assumable home · median 6.47%
  101. 101Mormon Lake11 assumable home · median 3.57%
  102. 102Oro Valley11 assumable home · median 5.27%
  103. 103Paradise Valley11 assumable home · median 2.66%
  104. 104Pinedale11 assumable home · median 2.25%
  105. 105Quartzsite11 assumable home · median 4.67%
  106. 106Roosevelt11 assumable home · median 2.91%
  107. 107Seligman11 assumable home · median 6.69%
  108. 108Sonoita11 assumable home · median 2.78%
  109. 109St. Johns11 assumable home · median 3.49%
  110. 110Strawberry11 assumable home · median 2.89%
  111. 111Tonto Basin11 assumable home · median 6.50%
  112. 112Valley Farms11 assumable home · median 5.30%
  113. 113Vernon11 assumable home · median 3.80%
  114. 114Wellton11 assumable home · median 6.58%
  115. 115Willcox11 assumable home · median 2.24%
  116. 116Yuma11 assumable home · median 6.30%

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 November 2026.

How assumptions work for buyers

Arizona has 3,022 homes for sale with an assumable mortgage as of November 2026: 1,743 FHA loans and 1,279 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%; 1,231 listings are under 4% and 1,443 are under 5%.

The median assumable home in Arizona lists for $400,000, with a median of $120,377 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 $1,735 a month versus $2,288 for the same balance at today's rate, roughly $554 kept every month and $6,642 a year. The deepest Arizona inventory is in Phoenix (422), Mesa (227), Buckeye (180), Surprise (170), and Maricopa (158).

37 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 3,022 on the map
8803 Orchid Lane, Peoria, AZ, 85345 — assumable VA mortgage at 2.50%
VA
Active
12
$409,999$90,070 equity gap
Rate
2.50%
7.18%today
Payment
$1,442/mo
$2,473today
  • 3beds
  • 2baths
  • 1,931sqft

8803 Orchid Lane, Peoria

41346 ARVADA Lane, Maricopa, AZ, 85138 — assumable VA mortgage at 2.625%
VA
Active
55
$385,000$71,822 equity gap
Rate
2.625%
7.18%today
Payment
$1,460/mo
$2,462today
  • 3beds
  • 3baths
  • 2,100sqft

41346 ARVADA Lane, Maricopa

15762 CHERYL Drive, Waddell, AZ, 85355 — assumable VA mortgage at 3.49%
VA
Active
45
$568,900$47,376 equity gap
Rate
3.49%
7.18%today
Payment
$2,377/mo
$3,590today
  • 3beds
  • 3baths
  • 2,507sqft

15762 CHERYL Drive, Waddell

6226 14TH Street, Phoenix, AZ, 85014 — assumable VA mortgage at 2.50%
VA
Active
32
$879,990$181,304 equity gap
Rate
2.50%
7.18%today
Payment
$3,119/mo
$5,348today
  • 2beds
  • 1baths
  • 1,037sqft

6226 14TH Street, Phoenix

10708 CAMELOT Circle, Sun City, AZ, 85351 — assumable VA mortgage at 2.99%
VA
Active
35
$330,000$71,819 equity gap
Rate
2.99%
7.18%today
Payment
$1,220/mo
$1,963today
  • 2beds
  • 2baths
  • 1,656sqft

10708 CAMELOT Circle, Sun City

6330 SANDRA Terrace, Glendale, AZ, 85306 — assumable FHA mortgage at 3.00%
FHA
Active
22
$379,900$101,322 equity gap
Rate
3.00%
7.18%today
Payment
$1,345/mo
$2,162today
  • 3beds
  • 2baths
  • 1,394sqft

6330 SANDRA Terrace, Glendale

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 November 2026.

Active listings
3,022
UMe Certified / verified
37
Lowest rate
2.01%
Median rate
5.22%
Median list price
$400,000
Median cash to assume
$120,377

Arizona listings by locked rate

  1. Under 4%1,231 homes
  2. 4% – 5%212 homes
  3. 5% – 6%214 homes
  4. 6% and up1,340 homes

Arizona listings by loan type

  • FHA1,743 homesmedian 5.99%
  • VA1,279 homesmedian 3.97%

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
$280,000

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)$120,000

30% 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
$1,638/mo
New loan at 7.20%
$1,901
Assumed at 5.20%
$1,638
Every month$262
Over five years$15,727
Interest you never pay$173,01126-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 $120,377 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 November 2026, UMe tracks 3,022 active assumable listings in Arizona. 37 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 (1,743, median 5.99%) and VA (1,279, median 3.97%). 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 3,022 listings is 5.22%. 1,231 listings are under 4% and 1,443 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 $1,735 per month versus $2,288 for the same balance at today's rates, a difference of about $554 every month, or $6,642 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 $120,377 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 (422), Mesa (227), Buckeye (180), Surprise (170), and Maricopa (158). 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