VA
Active
95$734,500$98,808 down
- Rate
- 4.00%
6.95%today- Payment
- $3,299/mo
$4,574today
- 3beds
- 3baths
- 2,604sqft
Congress, Arizona
Assumable homes for salein Congress, Arizona.
4 homes in Congress carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.53%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Congress assumable market
by the numbers.
4active assumable listings
3.53%lowest locked rate
$317kmedian list price
$221saved per month vs. 7.2%
About the market
Assumable mortgagesin Congress, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Congress. Updated September 2026.
How assumptions work for buyersCongress, Arizona has 4 homes for sale with an assumable mortgage as of September 2026: 2 FHA loans and 2 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 Congress assumable listings start at 3.53% with a median of 4.95%; 2 listings are under 4% and 2 are under 5%.
The median assumable home in Congress lists for $317,000, with a median of $225,720 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 $1,002 a month versus $1,224 for the same balance at today's rate, roughly $221 kept every month and $2,657 a year. The most active Congress ZIP codes are 85332 (4).
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 Congress assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Congress
View all 4 on the map Homes on the marketin Congress.
VA
Active
57$825,000$191,506 down
- Rate
- 3.75%
6.95%today- Payment
- $3,200/mo
$4,574today
- 3beds
- 3baths
- 2,368sqft
4186 BLACKSMITH Way, Wickenburg
VA
Active
39$749,900$524,904 down
- Rate
- 2.77%
6.95%today- Payment
- $1,055/mo
$1,706today
- 3beds
- 2baths
- 2,039sqft
35675 CALICO Circle, Wickenburg
VA
Active
27$315,000$221,401 down
- Rate
- 3.53%
6.95%today- Payment
- $617/mo
$907today
- 3beds
- 2baths
- 1,272sqft
27650 Clydesdale Avenue, Congress
VA
Active
27$315,000$221,401 down
- Rate
- 3.53%
6.95%today- Payment
- $617/mo
$907today
- 3beds
- 2baths
- 1,272sqft
27650 Clydesdale Avenue, Congress
VA
Active
28$695,000$27,916 down
- Rate
- 6.74%
6.95%today- Payment
- $4,443/mo
$4,539today
- 2beds
- 2baths
- 1,845sqft
3495 HIGH NOON Way, Wickenburg
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 Congress.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 4
- UMe Certified / verified
- 0
- Lowest rate
- 3.53%
- Median rate
- 4.95%
- Median list price
- $317,000
- Median cash to assume
- $225,720
Congress listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up2 homes
Congress listings by loan type
- FHA2 homesmedian 6.59%
- VA2 homesmedian 3.53%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Congress ZIP code.
Each ZIP opens the Congress map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Congress numbers
What an assumable ratedoes to a Congress payment.
The sliders start at the median Congress assumable listing: $317,000 list price and a 4.95% 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)$225,000
71% 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 Congress
$513/mo
New loan at 7.20%$611
Assumed at 4.95%
$513
Every month$98
Over five years$5,853
Interest you never pay$59,75826-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 Congress listing on UMe shows the actual balance, rate, and payment.
How it works in Congress
How to assumea mortgage in Congress.
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 a Congress home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Congress 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 $225,720 in Congress 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 a Congress payment written in a different decade.
Congress questions
Assuming a mortgagein Congress.
The numbers below come from current Congress inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Congress?
As of September 2026, UMe tracks 4 active assumable listings in Congress. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Congress?
Current Congress inventory breaks down as FHA (2, median 6.59%) and VA (2, median 3.53%). 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 Congress?
The lowest rate on an active Congress assumable listing is 3.53%, and the median across all 4 listings is 4.95%. 2 listings are under 4% and 2 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 Congress?
Across current Congress listings, the median principal-and-interest payment on the assumable loan is $1,002 per month versus $1,224 for the same balance at today's rates, a difference of about $221 every month, or $2,657 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 Congress?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Congress that gap is currently a median of $225,720 on a median list price of $317,000. 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 Congress ZIP codes have the most assumable homes?
The Congress ZIP codes with the most active assumable listings are 85332 (4). 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 Congress?
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 Congress.The rate is already on the house.
Every listing on the Congress map has a rate you can take over. Start with the ones in Congress, get pre-qualified in minutes, and let UMe carry the assumption to closing.
