UMe
Get pre-qualified

Assumable homes for sale in Surprise, AZ

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

Surprise assumption guide
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

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

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

16854 RIMROCK Street, Surprise, AZ, 85388 — assumable VA mortgage at 3.10%
VA
Active
39
$385,000$101,091 equity gap
Rate
3.10%
7.18%today
Payment
$1,349/mo
$2,141today
  • 4beds
  • 3baths
  • 2,220sqft

16854 RIMROCK Street, Surprise

15963 171ST Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 2.67%
FHA
Active
41
$394,000$131,831 equity gap
Rate
2.67%
7.18%today
Payment
$1,222/mo
$2,049today
  • 3beds
  • 2baths
  • 1,670sqft

15963 171ST 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%
7.18%today
Payment
$1,636/mo
$2,290today
  • 3beds
  • 2baths
  • 1,746sqft

17210 ELM Street, Surprise

17086 184TH Drive, Surprise, AZ, 85374 — assumable VA mortgage at 2.87%
VA
Active
33
$386,000$200,575 equity gap
Rate
2.87%
7.18%today
Payment
$887/mo
$1,450today
  • 3beds
  • 3baths
  • 2,509sqft

17086 184TH Drive, Surprise

17248 SMOKEY Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 2.88%
FHA
Active
42
$365,000$219,551 equity gap
Rate
2.88%
7.18%today
Payment
$697/mo
$1,137today
  • 3beds
  • 2baths
  • 1,485sqft

17248 SMOKEY Drive, Surprise

16259 CORTEZ Street, Surprise, AZ, 85379 — assumable VA mortgage at 2.94%
VA
Active
27
$587,000$265,871 equity gap
Rate
2.94%
7.18%today
Payment
$1,548/mo
$2,507today
  • 4beds
  • 3baths
  • 2,922sqft

16259 CORTEZ Street, Surprise

17185 POST Drive, Surprise, AZ, 85388 — assumable VA mortgage at 2.97%
VA
Active
15
$379,000$240,046 equity gap
Rate
2.97%
7.18%today
Payment
$776/mo
$1,179today
  • 3beds
  • 3baths
  • 2,285sqft

17185 POST Drive, Surprise

17664 TASHA Drive, Surprise, AZ, 85388 — assumable VA mortgage at 3.07%
VA
Active
46
$475,000$217,599 equity gap
Rate
3.07%
7.18%today
Payment
$1,217/mo
$1,937today
  • 4beds
  • 3baths
  • 3,077sqft

17664 TASHA Drive, Surprise

16433 MESCAL Street, Surprise, AZ, 85388 — assumable FHA mortgage at 5.22%
FHA
Active
44
$405,000Potential short sale
Rate
5.22%
7.18%today
Payment
$2,464/mo
$3,033today
  • 4beds
  • 2baths
  • 2,348sqft

16433 MESCAL Street, Surprise

17271 SMOKEY Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 4.99%
FHA
Active
48
$399,000$26,161 equity gap
Rate
4.99%
7.18%today
Payment
$2,135/mo
$2,698today
  • 3beds
  • 2baths
  • 1,640sqft

17271 SMOKEY Drive, Surprise

18049 IVY Lane, Surprise, AZ, 85388 — assumable FHA mortgage at 3.62%
FHA
Active
48
$579,900$427,586 equity gap
Rate
3.62%
7.18%today
Payment
$1,042/mo
$1,549today
  • 6beds
  • 4baths
  • 3,297sqft

18049 IVY Lane, Surprise

16645 173RD Avenue, Surprise, AZ, 85388 — assumable VA mortgage at 3.78%
VA
Active
51
$550,000$424,823 equity gap
Rate
3.78%
7.18%today
Payment
$877/mo
$1,277today
  • 5beds
  • 4baths
  • 3,565sqft

16645 173RD Avenue, Surprise

16819 Statler Street, Surprise, AZ, 85388 — assumable VA mortgage at 3.78%
VA
Active
48
$359,900$266,567 equity gap
Rate
3.78%
7.18%today
Payment
$536/mo
$781today
  • 3beds
  • 2baths
  • 1,471sqft

16819 Statler Street, Surprise

17732 MANDALAY Lane, Surprise, AZ, 85388 — assumable FHA mortgage at 3.96%
FHA
Active
45
$330,000$199,252 equity gap
Rate
3.96%
7.18%today
Payment
$805/mo
$1,148today
  • 3beds
  • 3baths
  • 1,344sqft

17732 MANDALAY Lane, Surprise

12423 174TH Lane, Surprise, AZ, 85388 — assumable FHA mortgage at 5.30%
FHA
Active
34
$399,999$43,913 equity gap
Rate
5.30%
7.18%today
Payment
$2,114/mo
$2,580today
  • 3beds
  • 2baths
  • 1,487sqft

12423 174TH Lane, Surprise

13208 174TH Drive, Surprise, AZ, 85388 — assumable VA mortgage at 7.10%
VA
Active
40
$475,000$22,859 equity gap
Rate
7.10%
7.18%today
Payment
$3,112/mo
$3,137today
  • 4beds
  • 3baths
  • 2,136sqft

13208 174TH Drive, Surprise

17334 PERSHING Street, Surprise, AZ, 85388 — assumable FHA mortgage at 7.57%
FHA
Active
38
$499,900$19,212 equity gap
Rate
7.57%
7.18%today
Payment
$3,484/mo
$3,352today
  • 4beds
  • 3baths
  • 2,774sqft

17334 PERSHING Street, Surprise

11001 MCKINNEY Street, Surprise, AZ, 85388 — assumable VA mortgage at 5.25%
VA
Active
89
$1,399,000$308,347 equity gap
Rate
5.25%
7.18%today
Payment
$6,058/mo
$7,431today
  • 2beds
  • 3baths
  • 2,657sqft

11001 MCKINNEY Street, Surprise

17758 Redfield Road, Surprise, AZ, 85388 — assumable FHA mortgage at 6.65%
FHA
Active
15
$359,999$53,904 equity gap
Rate
6.65%
7.18%today
Payment
$1,996/mo
$2,106today
  • 3beds
  • 2baths
  • 1,353sqft

17758 Redfield Road, Surprise

11472 168TH Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 6.78%
FHA
Active
39
$530,000$62,335 equity gap
Rate
6.78%
7.18%today
Payment
$3,153/mo
$3,283today
  • 4beds
  • 3baths
  • 2,352sqft

11472 168TH Drive, Surprise

11995 LUCKENBACH Street, Surprise, AZ, 85388 — assumable VA mortgage at 6.30%
VA
Active
61
$695,000$174,535 equity gap
Rate
6.30%
7.18%today
Payment
$3,250/mo
$3,557today
  • 3beds
  • 3baths
  • 1,862sqft

11995 LUCKENBACH Street, Surprise

13500 174TH Lane, Surprise, AZ, 85388 — assumable VA mortgage at 6.95%
VA
Active
52
$440,000$110,174 equity gap
Rate
6.95%
7.18%today
Payment
$2,280/mo
$2,333today
  • 3beds
  • 2baths
  • 1,758sqft

13500 174TH Lane, Surprise

13500 174TH Lane, Surprise, AZ, 85388 — assumable VA mortgage at 6.95%
VA
Active
44
$429,000$99,174 equity gap
Rate
6.95%
7.18%today
Payment
$2,280/mo
$2,333today
  • 3beds
  • 2baths
  • 1,758sqft

13500 174TH Lane, Surprise

17763 REDFIELD Road, Surprise, AZ, 85388 — assumable VA mortgage at 7.44%
VA
Active
43
$420,000$89,417 equity gap
Rate
7.44%
7.18%today
Payment
$2,363/mo
$2,303today
  • 3beds
  • 2baths
  • 1,485sqft

17763 REDFIELD Road, Surprise

16387 MONTE CRISTO Avenue, Surprise, AZ, 85388 — assumable FHA mortgage at 6.91%
FHA
Active
38
$389,000$134,372 equity gap
Rate
6.91%
7.18%today
Payment
$1,707/mo
$1,754today
  • 3beds
  • 2baths
  • 1,825sqft

16387 MONTE CRISTO Avenue, Surprise

17789 COLUMBINE Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 5.88%
FHA
Active
43
$539,900$382,493 equity gap
Rate
5.88%
7.18%today
Payment
$1,549/mo
$1,773today
  • 6beds
  • 4baths
  • 3,989sqft

17789 COLUMBINE Drive, Surprise

16619 IRONWOOD Street, Surprise, AZ, 85388 — assumable VA mortgage at 6.34%
VA
Active
16
$344,500$209,118 equity gap
Rate
6.34%
7.18%today
Payment
$850/mo
$926today
  • 3beds
  • 2baths
  • 1,522sqft

16619 IRONWOOD Street, Surprise

17313 WOOD Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 6.42%
FHA
Active
51
$450,000Potential short sale
Rate
6.42%
7.18%today
Payment
$3,058/mo
$3,305today
  • 4beds
  • 3baths
  • 2,774sqft

17313 WOOD Drive, Surprise

17940 DESERT Lane, Surprise, AZ, 85388 — assumable FHA mortgage at 6.64%
FHA
Active
42
$549,999$261,824 equity gap
Rate
6.64%
7.18%today
Payment
$1,879/mo
$1,985today
  • 4beds
  • 3baths
  • 3,300sqft

17940 DESERT 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 7.18%), so you can see the saving before you tour.

Lowest existing rate
2.12%
Lowest existing payment
$536/mo
Median cash to assume
$154,453
eXp Realty logo

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.

UMe