FHATop pick
Active
11$321,000$71,409 down
- Rate
- 2.74%
6.95%today- Payment
- $1,161/mo
$1,885today
- 4beds
- 2baths
- 2,178sqft
Arizona City, Arizona
Assumable homes for salein Arizona City, Arizona.
24 homes in Arizona City carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.90%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Arizona City assumable market
by the numbers.
24active assumable listings
2.90%lowest locked rate
$248kmedian list price
$486saved per month vs. 7.2%
About the market
Assumable mortgagesin Arizona City, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Arizona City. Updated September 2026.
How assumptions work for buyersArizona City, Arizona has 24 homes for sale with an assumable mortgage as of September 2026: 15 FHA loans and 9 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 City assumable listings start at 2.90% with a median of 5.69%; 9 listings are under 4% and 11 are under 5%.
The median assumable home in Arizona City lists for $247,500, with a median of $66,594 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 $1,175 a month versus $1,661 for the same balance at today's rate, roughly $486 kept every month and $5,832 a year. The most active Arizona City ZIP codes are 85123 (24).
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 Arizona City assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Arizona City
View all 24 on the map Homes on the marketin Arizona City.
VATop pick
Active
30$245,000$13,896 down
- Rate
- 2.98%
6.95%today- Payment
- $1,094/mo
$1,721today
- 3beds
- 2baths
- 1,418sqft
15200 REDONDO Road, Arizona City
FHATop pick
Active
39$350,000$13,310 down
- Rate
- 3.07%
6.95%today- Payment
- $1,591/mo
$2,476today
- 6beds
- 4baths
- 2,966sqft
949 WHITE WING Drive, Casa Grande
FHATop pick
Active
21$259,999$16,981 down
- Rate
- 3.07%
6.95%today- Payment
- $1,149/mo
$1,787today
- 3beds
- 2baths
- 1,504sqft
9051 RAVEN Drive, Arizona City
VA
Active
27$297,000$33,519 down
- Rate
- 2.90%
6.95%today- Payment
- $1,227/mo
$1,952today
- 3beds
- 2baths
- 1,610sqft
15024 BROOK HOLLOW Road, Arizona City
FHA
Active
40$235,000$28,841 down
- Rate
- 2.90%
6.95%today- Payment
- $960/mo
$1,527today
- 3beds
- 3baths
- 1,609sqft
742 PEPPER Drive, Casa Grande
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 City.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 24
- UMe Certified / verified
- 0
- Lowest rate
- 2.90%
- Median rate
- 5.69%
- Median list price
- $247,500
- Median cash to assume
- $66,594
Arizona City listings by locked rate
- Under 4%9 homes
- 4% – 5%2 homes
- 5% – 6%1 home
- 6% and up11 homes
Arizona City listings by loan type
- FHA15 homesmedian 6.20%
- VA9 homesmedian 3.58%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Arizona City ZIP code.
Each ZIP opens the Arizona City map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Arizona City numbers
What an assumable ratedoes to an Arizona City payment.
The sliders start at the median Arizona City assumable listing: $247,500 list price and a 5.69% 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)$70,000
28% 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 City
$1,107/mo
New loan at 7.20%$1,222
Assumed at 5.70%
$1,107
Every month$114
Over five years$6,860
Interest you never pay$94,31926-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 City listing on UMe shows the actual balance, rate, and payment.
How it works in Arizona City
How to assumea mortgage in Arizona City.
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 City home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Arizona City 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 $66,594 in Arizona City 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 City payment written in a different decade.
Arizona City questions
Assuming a mortgagein Arizona City.
The numbers below come from current Arizona City inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Arizona City?
As of September 2026, UMe tracks 24 active assumable listings in Arizona City. 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 City?
Current Arizona City inventory breaks down as FHA (15, median 6.20%) and VA (9, median 3.58%). 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 City?
The lowest rate on an active Arizona City assumable listing is 2.90%, and the median across all 24 listings is 5.69%. 9 listings are under 4% and 11 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 City?
Across current Arizona City listings, the median principal-and-interest payment on the assumable loan is $1,175 per month versus $1,661 for the same balance at today's rates, a difference of about $486 every month, or $5,832 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 City?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Arizona City that gap is currently a median of $66,594 on a median list price of $247,500. 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 City ZIP codes have the most assumable homes?
The Arizona City ZIP codes with the most active assumable listings are 85123 (24). 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 Arizona City?
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 Arizona City.The rate is already on the house.
Every listing on the Arizona City map has a rate you can take over. Start with the ones in Arizona City, get pre-qualified in minutes, and let UMe carry the assumption to closing.
