VA
Active
11$409,999$89,296 down
- Rate
- 2.50%
6.95%today- Payment
- $1,442/mo
$2,416today
- 3beds
- 2baths
- 1,931sqft
Goodyear, Arizona
Assumable homes for salein Goodyear, Arizona.
93 homes in Goodyear carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.79%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Goodyear assumable market
by the numbers.
93active assumable listings
2.79%lowest locked rate
$475kmedian list price
$499saved per month vs. 7.2%
About the market
Assumable mortgagesin Goodyear, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Goodyear. Updated September 2026.
How assumptions work for buyersGoodyear, Arizona has 93 homes for sale with an assumable mortgage as of September 2026: 48 VA loans and 44 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 Goodyear assumable listings start at 2.79% with a median of 5.55%; 35 listings are under 4% and 42 are under 5%.
The median assumable home in Goodyear lists for $475,000, with a median of $105,827 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 $2,135 a month versus $2,634 for the same balance at today's rate, roughly $499 kept every month and $5,991 a year. The most active Goodyear ZIP codes are 85338 (76) and 85395 (17).
1 listing in Goodyear is UMe Certified, meaning the balance, rate, and assumability have been confirmed with the listing agent. 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 Goodyear assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Goodyear
View all 93 on the map Homes on the marketin Goodyear.
Active
37$526,000Potential short sale
- Rate
- 3.99%
6.95%today- Payment
- $2,679/mo
$3,719today
- 4beds
- 3baths
- 3,017sqft
17034 Seldon Lane, Waddell
Active
43$505,000$226,234 down
- Rate
- 2.25%
6.95%today- Payment
- $1,237/mo
$2,143today
- 5beds
- 2baths
- 2,684sqft
13041 ESTERO Lane, Litchfield Park
VA
Active
145$1,199,900$518,867 down
- Rate
- 3.75%
6.95%today- Payment
- $3,590/mo
$5,131today
- 4beds
- 4baths
- 3,935sqft
13621 TUCKEY Court, Glendale
Active
32$425,000$68,762 down
- Rate
- 5.125%
6.95%today- Payment
- $2,038/mo
$2,478today
- 4beds
- 3baths
- 2,048sqft
1702 223RD Lane, Buckeye
Active
67$525,000$253,645 down
- Rate
- 4.625%
6.95%today- Payment
- $1,615/mo
$2,080today
- 4beds
- 3baths
- 2,414sqft
4916 185TH Drive, Goodyear
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 Goodyear.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 93
- UMe Certified / verified
- 1
- Lowest rate
- 2.79%
- Median rate
- 5.55%
- Median list price
- $475,000
- Median cash to assume
- $105,827
Goodyear listings by locked rate
- Under 4%35 homes
- 4% – 5%7 homes
- 5% – 6%6 homes
- 6% and up45 homes
Goodyear listings by loan type
- VA48 homesmedian 4.99%
- FHA44 homesmedian 6.14%
- Other1 homemedian 4.63%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Goodyear ZIP code.
Each ZIP opens the Goodyear map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Goodyear numbers
What an assumable ratedoes to a Goodyear payment.
The sliders start at the median Goodyear assumable listing: $475,000 list price and a 5.55% 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)$105,000
22% 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 Goodyear
$2,243/mo
New loan at 7.20%$2,512
Assumed at 5.55%
$2,243
Every month$269
Over five years$16,123
Interest you never pay$204,39026-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 Goodyear listing on UMe shows the actual balance, rate, and payment.
How it works in Goodyear
How to assumea mortgage in Goodyear.
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 Goodyear home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Goodyear 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 $105,827 in Goodyear 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 Goodyear payment written in a different decade.
Goodyear questions
Assuming a mortgagein Goodyear.
The numbers below come from current Goodyear inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Goodyear?
As of September 2026, UMe tracks 93 active assumable listings in Goodyear. 1 of them is UMe Certified, meaning the loan balance, rate, and assumability have been confirmed with the listing agent. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Goodyear?
Current Goodyear inventory breaks down as VA (48, median 4.99%), FHA (44, median 6.14%), and Other (1, median 4.63%). 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 Goodyear?
The lowest rate on an active Goodyear assumable listing is 2.79%, and the median across all 93 listings is 5.55%. 35 listings are under 4% and 42 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 Goodyear?
Across current Goodyear listings, the median principal-and-interest payment on the assumable loan is $2,135 per month versus $2,634 for the same balance at today's rates, a difference of about $499 every month, or $5,991 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 Goodyear?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Goodyear that gap is currently a median of $105,827 on a median list price of $475,000. 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 Goodyear ZIP codes have the most assumable homes?
The Goodyear ZIP codes with the most active assumable listings are 85338 (76) and 85395 (17). 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 Goodyear?
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 Goodyear.The rate is already on the house.
Every listing on the Goodyear map has a rate you can take over. Start with the ones in Goodyear, get pre-qualified in minutes, and let UMe carry the assumption to closing.
