VA
Active
107$850,000$226,950 down
- Rate
- 3.09%
6.95%today- Payment
- $2,951/mo
$4,581today
- 5beds
- 3baths
- 3,167sqft
Fountain Hills, Arizona
Assumable homes for salein Fountain Hills, Arizona.
7 homes in Fountain Hills carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.81%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Fountain Hills assumable market
by the numbers.
7active assumable listings
2.81%lowest locked rate
$449kmedian list price
$1,139saved per month vs. 7.2%
About the market
Assumable mortgagesin Fountain Hills, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Fountain Hills. Updated September 2026.
How assumptions work for buyersFountain Hills, Arizona has 7 homes for sale with an assumable mortgage as of September 2026: 4 FHA loans and 3 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 Fountain Hills assumable listings start at 2.81% with a median of 3.30%; 4 listings are under 4% and 4 are under 5%.
The median assumable home in Fountain Hills lists for $449,000, with a median of $111,715 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 $1,705 a month versus $2,844 for the same balance at today's rate, roughly $1,139 kept every month and $13,672 a year. The most active Fountain Hills ZIP codes are 85268 (7).
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 Fountain Hills assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Fountain Hills
View all 7 on the map Homes on the marketin Fountain Hills.
VA
Active
22$399,999$24,772 down
- Rate
- 3.89%
6.95%today- Payment
- $1,931/mo
$2,714today
- 4beds
- 2baths
- 1,328sqft
1904 LEBARON Street, Mesa
VA
Active
22$389,000$67,753 down
- Rate
- 3.76%
6.95%today- Payment
- $1,628/mo
$2,323today
- 2beds
- 2baths
- 1,269sqft
2127 SHANNON Way, Mesa
VA
Active
31$397,900$155,624 down
- Rate
- 2.81%
6.95%today- Payment
- $1,133/mo
$1,823today
- 2beds
- 2baths
- 1,250sqft
6735 MELROSE Street, Mesa
FHA
Active
31$295,000$94,818 down
- Rate
- 2.96%
6.95%today- Payment
- $947/mo
$1,495today
- 2beds
- 2baths
- 1,344sqft
5540 HARMON Circle, Mesa
VA
Active
58$825,000$532,610 down
- Rate
- 2.65%
6.95%today- Payment
- $1,350/mo
$2,217today
- 4beds
- 3baths
- 2,132sqft
10475 KAREN Drive, Scottsdale
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 Fountain Hills.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 7
- UMe Certified / verified
- 0
- Lowest rate
- 2.81%
- Median rate
- 3.30%
- Median list price
- $449,000
- Median cash to assume
- $111,715
Fountain Hills listings by locked rate
- Under 4%4 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up3 homes
Fountain Hills listings by loan type
- FHA4 homesmedian 5.06%
- VA3 homesmedian 3.16%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Fountain Hills ZIP code.
Each ZIP opens the Fountain Hills map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Fountain Hills numbers
What an assumable ratedoes to a Fountain Hills payment.
The sliders start at the median Fountain Hills assumable listing: $449,000 list price and a 3.30% 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)$115,000
26% 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 Fountain Hills
$1,601/mo
New loan at 7.20%$2,274
Assumed at 3.30%
$1,601
Every month$673
Over five years$40,388
Interest you never pay$319,16726-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 Fountain Hills listing on UMe shows the actual balance, rate, and payment.
How it works in Fountain Hills
How to assumea mortgage in Fountain Hills.
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 Fountain Hills home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Fountain Hills 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 $111,715 in Fountain Hills 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 Fountain Hills payment written in a different decade.
Fountain Hills questions
Assuming a mortgagein Fountain Hills.
The numbers below come from current Fountain Hills inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Fountain Hills?
As of September 2026, UMe tracks 7 active assumable listings in Fountain Hills. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Fountain Hills?
Current Fountain Hills inventory breaks down as FHA (4, median 5.06%) and VA (3, median 3.16%). 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 Fountain Hills?
The lowest rate on an active Fountain Hills assumable listing is 2.81%, and the median across all 7 listings is 3.30%. 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 Fountain Hills?
Across current Fountain Hills listings, the median principal-and-interest payment on the assumable loan is $1,705 per month versus $2,844 for the same balance at today's rates, a difference of about $1,139 every month, or $13,672 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 Fountain Hills?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Fountain Hills that gap is currently a median of $111,715 on a median list price of $449,000. 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 Fountain Hills ZIP codes have the most assumable homes?
The Fountain Hills ZIP codes with the most active assumable listings are 85268 (7). 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 Fountain Hills?
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 Fountain Hills.The rate is already on the house.
Every listing on the Fountain Hills map has a rate you can take over. Start with the ones in Fountain Hills, get pre-qualified in minutes, and let UMe carry the assumption to closing.
