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Assumable homes for sale in Surprise, AZ

200 homesVA & FHA loansrates from 2.12% vs 7.18% today

Surprise assumption guide
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

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

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

7821 CHOLLA Street, Peoria, AZ, 85345 — assumable FHA mortgage at 2.25%
FHA
Active
35
$450,000$140,766 equity gap
Rate
2.25%
7.18%today
Payment
$1,345/mo
$2,384today
  • 4beds
  • 3baths
  • 2,075sqft

7821 CHOLLA Street, Peoria

18261 Poston Drive, Surprise, AZ, 85387 — assumable FHA mortgage at 4.875%
FHA
Active
28
$409,500$28,922 equity gap
Rate
4.875%
7.18%today
Payment
$2,096/mo
$2,683today
  • 4beds
  • 2baths
  • 1,789sqft

18261 Poston Drive, Surprise

14458 POWDERHORN Drive, Surprise, AZ, 85374 — assumable VA mortgage at 4.875%
VA
Active
70
$525,000$92,154 equity gap
Rate
4.875%
7.18%today
Payment
$2,341/mo
$2,997today
  • 3beds
  • 3baths
  • 2,114sqft

14458 POWDERHORN Drive, Surprise

13621 TUCKEY Court, Glendale, AZ, 85307 — assumable VA mortgage at 3.75%
VA
Active
145
$1,199,900$520,328 equity gap
Rate
3.75%
7.18%today
Payment
$3,590/mo
$5,251today
  • 4beds
  • 4baths
  • 3,935sqft

13621 TUCKEY Court, Glendale

9960 ROSS Avenue, Peoria, AZ, 85382 — assumable FHA mortgage at 3.875%
FHA
Active
55
$480,000$266,931 equity gap
Rate
3.875%
7.18%today
Payment
$1,247/mo
$1,796today
  • 3beds
  • 2baths
  • 1,618sqft

9960 ROSS Avenue, Peoria

14113 HACKAMORE Drive, Surprise, AZ, 85387 — assumable FHA mortgage at 6.99%
FHA
Active
36
$398,000Potential short sale
Rate
6.99%
7.18%today
Payment
$2,739/mo
$2,792today
  • 3beds
  • 3baths
  • 1,961sqft

14113 HACKAMORE Drive, Surprise

14178 CALLE LEJOS --, Surprise, AZ, 85387 — assumable VA mortgage at 5.75%
VA
Active
48
$555,000$52,595 equity gap
Rate
5.75%
7.18%today
Payment
$3,045/mo
$3,535today
  • 4beds
  • 3baths
  • 2,229sqft

14178 CALLE LEJOS --, Surprise

18549 SELDON Lane, Waddell, AZ, 85355 — assumable VA mortgage at 5.625%
VA
Active
38
$639,000$227,986 equity gap
Rate
5.625%
7.18%today
Payment
$2,460/mo
$2,895today
  • 3beds
  • 3baths
  • 2,392sqft

18549 SELDON Lane, Waddell

7051 LINCOLN Street, Peoria, AZ, 85345 — assumable FHA mortgage at 2.84%
FHATop pick
Active
25
$299,000$11,114 equity gap
Rate
2.84%
7.18%today
Payment
$1,338/mo
$2,195today
  • 3beds
  • 3baths
  • 1,744sqft

7051 LINCOLN Street, Peoria

11531 JEROME Street, Surprise, AZ, 85388 — assumable VA mortgage at 3.14%
VATop pick
Active
71
$569,850Potential short sale
Rate
3.14%
7.18%today
Payment
$2,824/mo
$4,457today
  • 2beds
  • 3baths
  • 2,289sqft

11531 JEROME Street, Surprise

18031 UDALL Drive, Surprise, AZ, 85374 — assumable FHA mortgage at 2.87%
FHA
Active
30
$326,900$40,167 equity gap
Rate
2.87%
7.18%today
Payment
$1,343/mo
$2,195today
  • 1beds
  • 2baths
  • 1,270sqft

18031 UDALL Drive, Surprise

8617 EL CAMINITO Drive, Peoria, AZ, 85345 — assumable FHA mortgage at 2.90%
FHA
Active
16
$370,000$55,439 equity gap
Rate
2.90%
7.18%today
Payment
$1,475/mo
$2,401today
  • 3beds
  • 2baths
  • 1,333sqft

8617 EL CAMINITO Drive, Peoria

9831 WRANGLER Drive, Sun City, AZ, 85373 — assumable VA mortgage at 2.98%
VA
Active
17
$299,900$61,906 equity gap
Rate
2.98%
7.18%today
Payment
$1,131/mo
$1,822today
  • 2beds
  • 2baths
  • 1,955sqft

9831 WRANGLER Drive, Sun City

10963 COGGINS Drive, Sun City, AZ, 85351 — assumable FHA mortgage at 3.00%
FHA
Active
29
$151,995$26,842 equity gap
Rate
3.00%
7.18%today
Payment
$600/mo
$964today
  • 1beds
  • 1baths
  • 994sqft

10963 COGGINS Drive, Sun City

17611 CALAVAR Road, Surprise, AZ, 85388 — assumable FHA mortgage at 3.55%
FHA
Active
37
$399,900$7,271 equity gap
Rate
3.55%
7.18%today
Payment
$1,952/mo
$2,927today
  • 5beds
  • 3baths
  • 2,425sqft

17611 CALAVAR Road, Surprise

12008 LARKSPUR Road, El Mirage, AZ, 85335 — assumable FHA mortgage at 3.07%
FHA
Active
26
$310,000$46,041 equity gap
Rate
3.07%
7.18%today
Payment
$1,253/mo
$1,995today
  • 2beds
  • 2baths
  • 956sqft

12008 LARKSPUR Road, El Mirage

13423 IRONWOOD Street, Surprise, AZ, 85374 — assumable FHA mortgage at 3.07%
FHA
Active
23
$399,000$63,467 equity gap
Rate
3.07%
7.18%today
Payment
$1,593/mo
$2,537today
  • 3beds
  • 3baths
  • 2,118sqft

13423 IRONWOOD Street, Surprise

11802 HACIENDA Drive, Sun City, AZ, 85351 — assumable VA mortgage at 3.08%
VA
Active
21
$270,000$45,489 equity gap
Rate
3.08%
7.18%today
Payment
$1,086/mo
$1,727today
  • 2beds
  • 2baths
  • 1,371sqft

11802 HACIENDA Drive, Sun City

10433 LAURIE Lane, Peoria, AZ, 85345 — assumable FHA mortgage at 3.10%
FHA
Active
35
$339,900$57,587 equity gap
Rate
3.10%
7.18%today
Payment
$1,342/mo
$2,129today
  • 2beds
  • 2baths
  • 1,243sqft

10433 LAURIE Lane, Peoria

12842 ASTER Drive, El Mirage, AZ, 85335 — assumable FHA mortgage at 3.25%
FHA
Active
27
$400,000$71,166 equity gap
Rate
3.25%
7.18%today
Payment
$1,602/mo
$2,494today
  • 3beds
  • 2baths
  • 1,990sqft

12842 ASTER Drive, El Mirage

11002 DEANNE Drive, Sun City, AZ, 85351 — assumable FHA mortgage at 3.45%
FHA
Active
12
$325,000$40,473 equity gap
Rate
3.45%
7.18%today
Payment
$1,402/mo
$2,129today
  • 3beds
  • 2baths
  • 2,156sqft

11002 DEANNE Drive, Sun City

25626 144TH Lane, Surprise, AZ, 85387 — assumable FHA mortgage at 3.45%
FHA
Active
26
$381,000$69,724 equity gap
Rate
3.45%
7.18%today
Payment
$1,531/mo
$2,324today
  • 3beds
  • 3baths
  • 1,695sqft

25626 144TH Lane, Surprise

11436 HAGEN Drive, Sun City, AZ, 85351 — assumable VA mortgage at 2.37%
VA
Active
44
$250,000$67,100 equity gap
Rate
2.37%
7.18%today
Payment
$803/mo
$1,400today
  • 2beds
  • 1baths
  • 984sqft

11436 HAGEN Drive, Sun City

10007 MOUNTAIN VIEW Road, Sun City, AZ, 85351 — assumable VA mortgage at 2.79%
VA
Active
37
$225,000$50,803 equity gap
Rate
2.79%
7.18%today
Payment
$821/mo
$1,355today
  • 2beds
  • 2baths
  • 1,348sqft

10007 MOUNTAIN VIEW Road, Sun City

8927 PARADISE Drive, Peoria, AZ, 85345 — assumable FHA mortgage at 2.81%
FHA
Active
31
$392,000$106,532 equity gap
Rate
2.81%
7.18%today
Payment
$1,341/mo
$2,208today
  • 3beds
  • 2baths
  • 1,575sqft

8927 PARADISE Drive, Peoria

14575 MOUNTAIN VIEW Boulevard #11220, Surprise, AZ, 85374 — assumable FHA mortgage at 2.81%
FHA
Active
47
$285,000$84,848 equity gap
Rate
2.81%
7.18%today
Payment
$949/mo
$1,563today
  • 3beds
  • 2baths
  • 1,651sqft

14575 MOUNTAIN VIEW Boulevard #11220, Surprise

8564 MISSION Lane, Peoria, AZ, 85345 — assumable FHA mortgage at 2.90%
FHA
Active
27
$359,900$83,438 equity gap
Rate
2.90%
7.18%today
Payment
$1,300/mo
$2,115today
  • 3beds
  • 2baths
  • 1,208sqft

8564 MISSION Lane, Peoria

17226 185TH Lane, Surprise, AZ, 85374 — assumable VA mortgage at 2.96%
VA
Active
27
$346,000$89,187 equity gap
Rate
2.96%
7.18%today
Payment
$1,221/mo
$1,972today
  • 3beds
  • 3baths
  • 1,692sqft

17226 185TH Lane, Surprise

7431 SHANGRI LA Road, Peoria, AZ, 85345 — assumable FHA mortgage at 2.97%
FHA
Active
19
$325,000$69,236 equity gap
Rate
2.97%
7.18%today
Payment
$1,223/mo
$1,972today
  • 4beds
  • 2baths
  • 1,581sqft

7431 SHANGRI LA Road, Peoria

11844 CHERRY HILLS Drive, Sun City, AZ, 85351 — assumable FHA mortgage at 3.04%
FHA
Active
31
$243,000$69,084 equity gap
Rate
3.04%
7.18%today
Payment
$834/mo
$1,333today
  • 2beds
  • 1baths
  • 1,139sqft

11844 CHERRY HILLS Drive, Sun City

19431 67TH Drive, Glendale, AZ, 85308 — assumable VA mortgage at 3.05%
VA
Active
49
$595,000$152,559 equity gap
Rate
3.05%
7.18%today
Payment
$2,100/mo
$3,353today
  • 4beds
  • 3baths
  • 3,006sqft

19431 67TH Drive, Glendale

14955 BLOOMFIELD Road, Surprise, AZ, 85379 — assumable VA mortgage at 3.05%
VA
Active
33
$484,990$142,907 equity gap
Rate
3.05%
7.18%today
Payment
$1,624/mo
$2,593today
  • 4beds
  • 3baths
  • 2,839sqft

14955 BLOOMFIELD Road, Surprise

24154 165TH Drive, Surprise, AZ, 85387 — assumable VA mortgage at 3.56%
VA
Active
35
$560,000$60,920 equity gap
Rate
3.56%
7.18%today
Payment
$2,484/mo
$3,720today
  • 4beds
  • 3baths
  • 2,599sqft

24154 165TH 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 7.18%), so you can see the saving before you tour. 11 of the 200 homes here are UMe-verified, meaning the loan terms have been confirmed with the servicer.

Lowest existing rate
2.12%
Lowest existing payment
$412/mo
Median cash to assume
$143,355
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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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