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
Eloy, Arizona
Assumable homes for salein Eloy, Arizona.
8 homes in Eloy carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.80%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Eloy assumable market
by the numbers.
8active assumable listings
2.80%lowest locked rate
$329kmedian list price
$299saved per month vs. 7.2%
About the market
Assumable mortgagesin Eloy, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Eloy. Updated September 2026.
How assumptions work for buyersEloy, Arizona has 8 homes for sale with an assumable mortgage as of September 2026: 5 VA loans and 3 FHA 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 Eloy assumable listings start at 2.80% with a median of 4.79%; 3 listings are under 4% and 5 are under 5%.
The median assumable home in Eloy lists for $328,750, with a median of $175,549 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 $1,397 a month versus $1,696 for the same balance at today's rate, roughly $299 kept every month and $3,585 a year. The most active Eloy ZIP codes are 85131 (8).
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 Eloy assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Eloy
View all 8 on the map Homes on the marketin Eloy.
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
VA
Active
57$324,900$54,159 down
- Rate
- 3.07%
6.95%today- Payment
- $1,282/mo
$1,996today
- 3beds
- 3baths
- 2,760sqft
10720 Landmark Lane, Casa Grande
VA
Active
30$300,000$32,356 down
- Rate
- 3.12%
6.95%today- Payment
- $1,269/mo
$1,963today
- 3beds
- 2baths
- 1,528sqft
12533 CABRILLO Drive, Arizona City
FHA
Active
32$205,000Potential short sale
- Rate
- 3.76%
6.95%today- Payment
- $1,411/mo
$2,015today
- 3beds
- 2baths
- 1,483sqft
12478 MADERO Drive, Arizona City
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 Eloy.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 8
- UMe Certified / verified
- 0
- Lowest rate
- 2.80%
- Median rate
- 4.79%
- Median list price
- $328,750
- Median cash to assume
- $175,549
Eloy listings by locked rate
- Under 4%3 homes
- 4% – 5%2 homes
- 5% – 6%1 home
- 6% and up2 homes
Eloy listings by loan type
- VA5 homesmedian 2.88%
- FHA3 homesmedian 5.23%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Eloy ZIP code.
Each ZIP opens the Eloy map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Eloy numbers
What an assumable ratedoes to an Eloy payment.
The sliders start at the median Eloy assumable listing: $328,750 list price and a 4.79% 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)$175,000
53% 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 Eloy
$871/mo
New loan at 7.20%$1,052
Assumed at 4.80%
$871
Every month$182
Over five years$10,895
Interest you never pay$107,15726-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 Eloy listing on UMe shows the actual balance, rate, and payment.
How it works in Eloy
How to assumea mortgage in Eloy.
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 Eloy home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Eloy 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 $175,549 in Eloy 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 Eloy payment written in a different decade.
Eloy questions
Assuming a mortgagein Eloy.
The numbers below come from current Eloy inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Eloy?
As of September 2026, UMe tracks 8 active assumable listings in Eloy. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Eloy?
Current Eloy inventory breaks down as VA (5, median 2.88%) and FHA (3, median 5.23%). 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 Eloy?
The lowest rate on an active Eloy assumable listing is 2.80%, and the median across all 8 listings is 4.79%. 3 listings are under 4% and 5 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 Eloy?
Across current Eloy listings, the median principal-and-interest payment on the assumable loan is $1,397 per month versus $1,696 for the same balance at today's rates, a difference of about $299 every month, or $3,585 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 Eloy?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Eloy that gap is currently a median of $175,549 on a median list price of $328,750. 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 Eloy ZIP codes have the most assumable homes?
The Eloy ZIP codes with the most active assumable listings are 85131 (8). 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 Eloy?
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 Eloy.The rate is already on the house.
Every listing on the Eloy map has a rate you can take over. Start with the ones in Eloy, get pre-qualified in minutes, and let UMe carry the assumption to closing.
