Arizona · Statewide
Assumable homes for salein Arizona.
3,155 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%.
Live MLS data · Updated
Arizona assumable market
by the numbers.
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- 01Phoenix414414 assumable homes · median 4.50%
- 02Mesa224224 assumable homes · median 5.11%
- 03Buckeye179179 assumable homes · median 5.71%
- 04Surprise172172 assumable homes · median 6.12%
- 05Maricopa158158 assumable homes · median 5.23%
- 06San Tan Valley138138 assumable homes · median 6.14%
- 07Glendale113113 assumable homes · median 5.22%
- 08Goodyear106106 assumable homes · median 5.11%
- 09Casa Grande105105 assumable homes · median 6.09%
- 10Peoria9494 assumable homes · median 4.66%
- 11Gilbert7878 assumable homes · median 3.91%
- 12Chandler6565 assumable homes · median 5.41%
- 13Florence5555 assumable homes · median 6.26%
- 14Kingman5555 assumable homes · median 5.11%
- 15Queen Creek5353 assumable homes · median 4.25%
- 16Sierra Vista5353 assumable homes · median 5.12%
- 17Litchfield Park5151 assumable homes · median 6.35%
- 18Sun City5151 assumable homes · median 4.51%
- 19Avondale4545 assumable homes · median 6.30%
- 20Apache Junction4343 assumable homes · median 4.28%
- 21Laveen4343 assumable homes · median 6.45%
- 22Prescott Valley4040 assumable homes · median 4.03%
- 23Scottsdale4040 assumable homes · median 3.73%
- 24Tolleson3939 assumable homes · median 6.15%
- 25Prescott3333 assumable homes · median 4.65%
- 26Bullhead City3030 assumable homes · median 4.60%
- 27Arizona City2929 assumable homes · median 6.32%
- 28Tonopah2929 assumable homes · median 5.66%
- 29Fort Mohave2828 assumable homes · median 3.73%
- 30Waddell2828 assumable homes · median 5.59%
- 31Coolidge2727 assumable homes · median 6.36%
- 32Flagstaff2626 assumable homes · median 3.79%
- 33El Mirage2525 assumable homes · median 3.87%
- 34Tempe2424 assumable homes · median 5.98%
- 35Gold Canyon2121 assumable homes · median 4.67%
- 36Golden Valley2121 assumable homes · median 4.53%
- 37Wittmann2121 assumable homes · median 5.78%
- 38Payson2020 assumable homes · median 4.16%
- 39Hereford1717 assumable homes · median 3.68%
- 40Wickenburg1717 assumable homes · median 6.43%
- 41Chino Valley1515 assumable homes · median 4.75%
- 42Sedona1414 assumable homes · median 4.82%
- 43Show Low1414 assumable homes · median 6.55%
- 44Williams1414 assumable homes · median 6.45%
- 45Cave Creek1313 assumable homes · median 4.00%
- 46Paulden1313 assumable homes · median 4.29%
- 47Sun City West1313 assumable homes · median 6.39%
- 48Dewey-Humboldt1212 assumable homes · median 4.99%
- 49Anthem1111 assumable homes · median 6.00%
- 50Camp Verde1010 assumable homes · median 4.17%
- 51Fountain Hills1010 assumable homes · median 4.42%
- 52Douglas88 assumable homes · median 6.62%
- 53Mayer88 assumable homes · median 6.15%
- 54Rimrock88 assumable homes · median 6.62%
- 55Eloy77 assumable homes · median 4.98%
- 56New River77 assumable homes · median 3.72%
- 57Tucson77 assumable homes · median 6.78%
- 58Youngtown77 assumable homes · median 6.62%
- 59Benson66 assumable homes · median 5.13%
- 60Cottonwood66 assumable homes · median 3.79%
- 61Huachuca City66 assumable homes · median 5.96%
- 62Overgaard66 assumable homes · median 5.89%
- 63Sun Lakes66 assumable homes · median 5.06%
- 64Winslow66 assumable homes · median 5.02%
- 65Globe55 assumable homes · median 6.39%
- 66Meadview55 assumable homes · median 3.45%
- 67Pine55 assumable homes · median 6.56%
- 68Lakeside44 assumable homes · median 6.00%
- 69Mohave Valley44 assumable homes · median 5.09%
- 70Rio Verde44 assumable homes · median 5.19%
- 71Yucca44 assumable homes · median 6.55%
- 72Arlington33 assumable homes · median 3.64%
- 73Clarkdale33 assumable homes · median 3.55%
- 74Congress33 assumable homes · median 3.53%
- 75Cornville33 assumable homes · median 2.93%
- 76Dewey33 assumable homes · median 6.89%
- 77McNeal33 assumable homes · median 6.19%
- 78Morristown33 assumable homes · median 3.65%
- 79Rio Rico33 assumable homes · median 4.37%
- 80Tombstone33 assumable homes · median 6.22%
- 81Topock33 assumable homes · median 3.92%
- 82Bellemont22 assumable homes · median 6.54%
- 83Dolan Springs22 assumable homes · median 5.23%
- 84Marana22 assumable homes · median 5.17%
- 85Miami22 assumable homes · median 5.91%
- 86Munds Park22 assumable homes · median 5.10%
- 87Queen Valley22 assumable homes · median 6.53%
- 88Sahuarita22 assumable homes · median 6.07%
- 89Salome22 assumable homes · median 5.05%
- 90Skull Valley22 assumable homes · median 2.86%
- 91Snowflake22 assumable homes · median 6.20%
- 92Strawberry22 assumable homes · median 3.25%
- 93Taylor22 assumable homes · median 5.12%
- 94Thatcher22 assumable homes · median 5.05%
- 95Vail22 assumable homes · median 4.31%
- 96Yuma22 assumable homes · median 6.69%
- 97Aguila11 assumable home · median 2.78%
- 98Ash Fork11 assumable home · median 7.09%
- 99Bisbee11 assumable home · median 6.50%
- 100Black Canyon City11 assumable home · median 6.64%
- 101Bouse11 assumable home · median 4.00%
- 102Cibola11 assumable home · median 6.12%
- 103Eagar11 assumable home · median 6.24%
- 104Elgin11 assumable home · median 6.72%
- 105Happy Jack11 assumable home · median 2.81%
- 106Heber11 assumable home · median 3.02%
- 107Humboldt11 assumable home · median 6.47%
- 108Mormon Lake11 assumable home · median 3.57%
- 109Oro Valley11 assumable home · median 5.27%
- 110Page11 assumable home · median 7.00%
- 111Pinedale11 assumable home · median 2.25%
- 112Pinetop11 assumable home · median 6.50%
- 113Quartzsite11 assumable home · median 4.67%
- 114Red Rock11 assumable home · median 3.82%
- 115Roosevelt11 assumable home · median 2.91%
- 116Seligman11 assumable home · median 6.69%
- 117Sonoita11 assumable home · median 2.78%
- 118St. Johns11 assumable home · median 3.49%
- 119Tonto Basin11 assumable home · median 6.50%
- 120Valley Farms11 assumable home · median 5.30%
- 121Vernon11 assumable home · median 3.80%
- 122Willcox11 assumable home · median 2.24%
Also covered in Arizona, no verified assumable listings today:
- Ajo
- Alpine
- Amado
- Arivaca
- Bagdad
- Beaver Dam
- Blue
- Bowie
- Carefree
- Central
- Chambers
- Chloride
- Clay Springs
- Claypool
- Clifton
- Cochise
- Colorado City
- Concho
- Cordes Lakes
- Corona de Tucson
- Crown King
- Dateland
- Dragoon
- Dudleyville
- Duncan
- Eden
- Ehrenberg
- Elfrida
- Forest Lakes
- Fort McDowell
- Fort Thomas
- Fredonia
- Gila Bend
- Green Valley
- Greer
- Groom Creek
- Guadalupe
- Hackberry
- Hayden
- Holbrook
- Jerome
- Joseph City
- Kearny
- Kirkland
- Lake Havasu City
- Littlefield
- Mammoth
- Mobile
- Mount Lemmon
- Naco
- Nogales
- Nutrioso
- Oatman
- Oracle
- Palo Verde
- Paradise Valley
- Parker
- Parks
- Patagonia
- Peach Springs
- Pearce
- Peeples Valley
- Picacho
- Pima
- Pirtleville
- Portal
- Roll
- Saddlebrooke
- Safford
- San Luis
- San Manuel
- San Simon
- Sanders
- Somerton
- Spring Valley
- Springerville
- St. David
- Stanfield
- Star Valley
- Sun Valley
- Sunsites
- Superior
- Tacna
- Tubac
- Tumacacori
- Valentine
- Wellton
- Wenden
- White Hills
- Wikieup
- Winkelman
- Woodruff
- Yarnell
- Young
Assumable mortgagesin Arizona, explained.
Every number on this page comes from the live MLS feeds UMe indexes across Arizona. Updated October 2026.
How assumptions work for buyersArizona has 3,155 homes for sale with an assumable mortgage as of October 2026: 1,850 FHA loans and 1,305 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 5.23%; 1,250 listings are under 4% and 1,478 are under 5%.
The median assumable home in Arizona lists for $400,000, with a median of $114,882 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 $1,708 a month versus $2,265 for the same balance at today's rate, roughly $557 kept every month and $6,678 a year. The deepest Arizona inventory is in Phoenix (414), Mesa (224), Buckeye (179), Surprise (172), and Maricopa (158).
33 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.
Homes on the marketacross Arizona.
No verified listings in Arizona yet.
New assumable listings land every week across Arizona. Search the full map, or save an Arizona search and we’ll email you the moment one appears.
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.
What’s in the mixin Arizona.
Live counts from the MLS feeds we index for Arizona. Updated October 2026.
- Active listings
- 3,155
- UMe Certified / verified
- 33
- Lowest rate
- 2.01%
- Median rate
- 5.23%
- Median list price
- $400,000
- Median cash to assume
- $114,882
Arizona listings by locked rate
- Under 4%1,250 homes
- 4% – 5%228 homes
- 5% – 6%235 homes
- 6% and up1,412 homes
Arizona listings by loan type
- FHA1,850 homesmedian 6.11%
- VA1,305 homesmedian 3.98%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
What an assumable ratedoes to an Arizona payment.
The sliders start at the median Arizona assumable listing: $400,000 list price and a 5.23% 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.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
29% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
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.
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- 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.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $114,882 in Arizona today. Cash, a second loan, or seller financing can bridge it.
- 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.
- 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.
Assuming a mortgagein Arizona.
The numbers below come from current Arizona inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Arizona?
As of October 2026, UMe tracks 3,155 active assumable listings in Arizona. 33 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 (1,850, median 6.11%) and VA (1,305, median 3.98%). 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 3,155 listings is 5.23%. 1,250 listings are under 4% and 1,478 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 $1,708 per month versus $2,265 for the same balance at today's rates, a difference of about $557 every month, or $6,678 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 $114,882 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 (414), Mesa (224), Buckeye (179), Surprise (172), 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.
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.
