FHA
Active
34$300,000$156,564 down
- Rate
- 7.06%
6.95%today- Payment
- $981/mo
$971today
- 3beds
- 2baths
- —sqft
Fredonia, Arizona
Assumable homes for salein Fredonia, Arizona.
1 home in Fredonia carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 7.06%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Fredonia assumable market
by the numbers.
1active assumable listing
7.06%lowest locked rate
$300kmedian list price
$46saved per month vs. 7.2%
About the market
Assumable mortgagesin Fredonia, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Fredonia. Updated August 2026.
How assumptions work for buyersFredonia, Arizona has 1 home for sale with an assumable mortgage as of August 2026: 1 FHA loan 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 Fredonia assumable listings start at 7.06% with a median of 7.06%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Fredonia lists for $300,000, with a median of $165,888 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 $981 a month versus $1,027 for the same balance at today's rate, roughly $46 kept every month and $550 a year. The most active Fredonia ZIP codes are 86022 (1).
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 Fredonia assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Fredonia
View all 1 on the map Homes on the marketin Fredonia.
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 Fredonia.
Live counts from the MLS feeds we index for Arizona. Updated August 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 7.06%
- Median rate
- 7.06%
- Median list price
- $300,000
- Median cash to assume
- $165,888
Fredonia listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Fredonia listings by loan type
- FHA1 homemedian 7.06%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Fredonia ZIP code.
Each ZIP opens the Fredonia map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Fredonia numbers
What an assumable ratedoes to a Fredonia payment.
The sliders start at the median Fredonia assumable listing: $300,000 list price and a 7.06% 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
55% 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 Fredonia
$945/mo
New loan at 7.20%$916
Assumed at 7.05%
$945
Every month$0
Over five years$0
Interest you never pay$35,02326-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 Fredonia listing on UMe shows the actual balance, rate, and payment.
How it works in Fredonia
How to assumea mortgage in Fredonia.
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 Fredonia home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Fredonia 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 $165,888 in Fredonia 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 Fredonia payment written in a different decade.
Fredonia questions
Assuming a mortgagein Fredonia.
The numbers below come from current Fredonia inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Fredonia?
As of August 2026, UMe tracks 1 active assumable listing in Fredonia. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Fredonia?
Current Fredonia inventory breaks down as FHA (1, median 7.06%). 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 Fredonia?
The lowest rate on an active Fredonia assumable listing is 7.06%, and the median across all 1 listing is 7.06%. 0 listings are under 4% and 0 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 Fredonia?
Across current Fredonia listings, the median principal-and-interest payment on the assumable loan is $981 per month versus $1,027 for the same balance at today's rates, a difference of about $46 every month, or $550 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 Fredonia?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Fredonia that gap is currently a median of $165,888 on a median list price of $300,000. 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 Fredonia ZIP codes have the most assumable homes?
The Fredonia ZIP codes with the most active assumable listings are 86022 (1). 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 Fredonia?
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 Fredonia.The rate is already on the house.
Every listing on the Fredonia map has a rate you can take over. Start with the ones in Fredonia, get pre-qualified in minutes, and let UMe carry the assumption to closing.
