VA
Active
24$500,000$64,209 down
- Rate
- 3.25%
6.95%today- Payment
- $2,119/mo
$3,223today
- 4beds
- 3baths
- 2,206sqft
Anthem, Arizona
Assumable homes for salein Anthem, Arizona.
10 homes in Anthem carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.74%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Anthem assumable market
by the numbers.
10active assumable listings
2.74%lowest locked rate
$557kmedian list price
$626saved per month vs. 7.2%
About the market
Assumable mortgagesin Anthem, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Anthem. Updated September 2026.
How assumptions work for buyersAnthem, Arizona has 10 homes for sale with an assumable mortgage as of September 2026: 5 FHA loans and 5 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 Anthem assumable listings start at 2.74% with a median of 6.25%; 4 listings are under 4% and 4 are under 5%.
The median assumable home in Anthem lists for $557,000, with a median of $168,693 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 $2,032 a month versus $2,657 for the same balance at today's rate, roughly $626 kept every month and $7,508 a year. The most active Anthem ZIP codes are 85086 (10).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. 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 Anthem assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Anthem
View all 10 on the map Homes on the marketin Anthem.
Active
56$1,175,000$774,086 down
- Rate
- 2.50%
6.95%today- Payment
- $1,807/mo
$3,028today
- 4beds
- 4baths
- 3,528sqft
5949 PINNACLE HILL Drive, Glendale
VA
Active
32$799,000$127,037 down
- Rate
- 2.88%
6.95%today- Payment
- $3,110/mo
$4,958today
- 4beds
- 2baths
- 2,434sqft
229 JORDON Lane, Phoenix
VA
Active
81$1,174,900$294,490 down
- Rate
- 3.12%
6.95%today- Payment
- $4,175/mo
$6,456today
- 4beds
- 4baths
- 3,647sqft
39410 7TH Street, Phoenix
VA
Active
60$428,950$172,071 down
- Rate
- 2.80%
6.95%today- Payment
- $1,192/mo
$1,920today
- 4beds
- 3baths
- 1,733sqft
3029 Villa Cassandra Drive, Phoenix
VA
Active
28$620,000$232,090 down
- Rate
- 2.89%
6.95%today- Payment
- $1,851/mo
$2,948today
- 3beds
- 2baths
- 2,029sqft
4220 DESERT MARIGOLD Drive, Cave Creek
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 Anthem.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 10
- UMe Certified / verified
- 0
- Lowest rate
- 2.74%
- Median rate
- 6.25%
- Median list price
- $557,000
- Median cash to assume
- $168,693
Anthem listings by locked rate
- Under 4%4 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up6 homes
Anthem listings by loan type
- FHA5 homesmedian 2.98%
- VA5 homesmedian 6.50%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Anthem ZIP code.
Each ZIP opens the Anthem map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Anthem numbers
What an assumable ratedoes to an Anthem payment.
The sliders start at the median Anthem assumable listing: $557,000 list price and a 6.25% 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.
Cash to assume (seller’s equity)$165,000
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 Anthem
$2,532/mo
New loan at 7.20%$2,647
Assumed at 6.25%
$2,532
Every month$115
Over five years$6,921
Interest you never pay$163,05926-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 Anthem listing on UMe shows the actual balance, rate, and payment.
How it works in Anthem
How to assumea mortgage in Anthem.
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 Anthem home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Anthem 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 $168,693 in Anthem 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 Anthem payment written in a different decade.
Anthem questions
Assuming a mortgagein Anthem.
The numbers below come from current Anthem inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Anthem?
As of September 2026, UMe tracks 10 active assumable listings in Anthem. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Anthem?
Current Anthem inventory breaks down as FHA (5, median 2.98%) and VA (5, median 6.50%). 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 Anthem?
The lowest rate on an active Anthem assumable listing is 2.74%, and the median across all 10 listings is 6.25%. 4 listings are under 4% and 4 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 Anthem?
Across current Anthem listings, the median principal-and-interest payment on the assumable loan is $2,032 per month versus $2,657 for the same balance at today's rates, a difference of about $626 every month, or $7,508 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 Anthem?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Anthem that gap is currently a median of $168,693 on a median list price of $557,000. 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 Anthem ZIP codes have the most assumable homes?
The Anthem ZIP codes with the most active assumable listings are 85086 (10). Use the map to draw your own boundary or filter by rate, payment, and down payment inside any of them.
How long does a mortgage assumption take in Anthem?
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.
Nearby markets
All of Arizona More assumable homesin Arizona.
Ready when you are
Stop overpaying for Anthem.The rate is already on the house.
Every listing on the Anthem map has a rate you can take over. Start with the ones in Anthem, get pre-qualified in minutes, and let UMe carry the assumption to closing.
