VA
Active
35$348,000$32,072 down
- Rate
- 5.23%
6.95%today- Payment
- $1,854/mo
$2,228today
- 3beds
- 4baths
- 2,043sqft
Miami, Arizona
Assumable homes for salein Miami, Arizona.
2 homes in Miami carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 4.87%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Miami assumable market
by the numbers.
2active assumable listings
4.87%lowest locked rate
$170kmedian list price
$113saved per month vs. 7.2%
About the market
Assumable mortgagesin Miami, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Miami. Updated August 2026.
How assumptions work for buyersMiami, Arizona has 2 homes for sale with an assumable mortgage as of August 2026: 2 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 Miami assumable listings start at 4.87% with a median of 5.88%; 0 listings are under 4% and 1 is under 5%.
The median assumable home in Miami lists for $170,330, with a median of $52,742 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 $775 a month versus $888 for the same balance at today's rate, roughly $113 kept every month and $1,350 a year. The most active Miami ZIP codes are 85539 (2).
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 Miami assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Miami
View all 2 on the map Homes on the marketin Miami.
FHA
Active
31$269,999$13,975 down
- Rate
- 6.63%
6.95%today- Payment
- $1,666/mo
$1,722today
- 3beds
- 2baths
- 1,046sqft
5750 Inspiration Drive, Globe
FHA
Active
22$339,000$248,906 down
- Rate
- 4.25%
6.95%today- Payment
- $597/mo
$788today
- 4beds
- 3baths
- 2,128sqft
982 SAGUARO Drive, Globe
VA
Active
28$251,900$19,590 down
- Rate
- 6.81%
6.95%today- Payment
- $1,534/mo
$1,556today
- 2beds
- 1baths
- 1,453sqft
401 CEDAR Street, Globe
FHA
Active
3$165,660$10,408 down
- Rate
- 6.90%
6.95%today- Payment
- $1,067/mo
$1,072today
- 4beds
- 2baths
- —sqft
189 ADONIS Avenue, Miami
FHA
Active
23$254,900$40,518 down
- Rate
- 6.57%
6.95%today- Payment
- $1,417/mo
$1,473today
- 3beds
- 2baths
- 1,344sqft
5470 ROBERTS Drive, Globe
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 Miami.
Live counts from the MLS feeds we index for Arizona. Updated August 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 4.87%
- Median rate
- 5.88%
- Median list price
- $170,330
- Median cash to assume
- $52,742
Miami listings by locked rate
- Under 4%0 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up1 home
Miami listings by loan type
- FHA2 homesmedian 5.88%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Miami ZIP code.
Each ZIP opens the Miami map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Miami numbers
What an assumable ratedoes to a Miami payment.
The sliders start at the median Miami assumable listing: $170,330 list price and a 5.88% 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)$50,000
29% 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 Miami
$753/mo
New loan at 7.20%$815
Assumed at 5.90%
$753
Every month$62
Over five years$3,692
Interest you never pay$58,29626-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 Miami listing on UMe shows the actual balance, rate, and payment.
How it works in Miami
How to assumea mortgage in Miami.
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 Miami home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Miami 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 $52,742 in Miami 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 Miami payment written in a different decade.
Miami questions
Assuming a mortgagein Miami.
The numbers below come from current Miami inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Miami?
As of August 2026, UMe tracks 2 active assumable listings in Miami. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Miami?
Current Miami inventory breaks down as FHA (2, median 5.88%). 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 Miami?
The lowest rate on an active Miami assumable listing is 4.87%, and the median across all 2 listings is 5.88%. 0 listings are under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Miami?
Across current Miami listings, the median principal-and-interest payment on the assumable loan is $775 per month versus $888 for the same balance at today's rates, a difference of about $113 every month, or $1,350 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 Miami?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Miami that gap is currently a median of $52,742 on a median list price of $170,330. 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 Miami ZIP codes have the most assumable homes?
The Miami ZIP codes with the most active assumable listings are 85539 (2). 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 Miami?
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 Miami.The rate is already on the house.
Every listing on the Miami map has a rate you can take over. Start with the ones in Miami, get pre-qualified in minutes, and let UMe carry the assumption to closing.
