VA
Active
32$799,000$127,037 down
- Rate
- 2.88%
6.95%today- Payment
- $3,110/mo
$4,958today
- 4beds
- 2baths
- 2,434sqft
New River, Arizona
Assumable homes for salein New River, Arizona.
7 homes in New River 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
New River assumable market
by the numbers.
7active assumable listings
2.80%lowest locked rate
$545kmedian list price
$468saved per month vs. 7.2%
About the market
Assumable mortgagesin New River, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to New River. Updated September 2026.
How assumptions work for buyersNew River, Arizona has 7 homes for sale with an assumable mortgage as of September 2026: 5 VA loans and 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 New River assumable listings start at 2.80% with a median of 3.72%; 5 listings are under 4% and 5 are under 5%.
The median assumable home in New River lists for $545,000, with a median of $235,133 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 $1,573 a month versus $2,041 for the same balance at today's rate, roughly $468 kept every month and $5,618 a year. The most active New River ZIP codes are 85087 (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 New River assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in New River
View all 7 on the map Homes on the marketin New River.
VA
Active
81$1,174,900$294,490 down
- Rate
- 3.12%
6.95%today- Payment
- $4,175/mo
$6,456today
- 4beds
- 4baths
- 3,647sqft
39410 7TH Street, Phoenix
VA
Active
60$428,950$172,071 down
- Rate
- 2.80%
6.95%today- Payment
- $1,192/mo
$1,920today
- 4beds
- 3baths
- 1,733sqft
3029 Villa Cassandra Drive, Phoenix
VA
Active
83$1,200,000$916,046 down
- Rate
- 2.24%
6.95%today- Payment
- $1,246/mo
$2,161today
- 5beds
- 5baths
- 4,304sqft
41702 SIGNAL HILL Court, Phoenix
VA
Active
42$632,999$297,460 down
- Rate
- 2.68%
6.95%today- Payment
- $1,558/mo
$2,549today
- 4beds
- 3baths
- —sqft
3423 Inspiration Drive, Phoenix
VA
Active
35$632,999$297,460 down
- Rate
- 2.68%
6.95%today- Payment
- $1,558/mo
$2,549today
- 4beds
- 3baths
- —sqft
3423 Inspiration Drive, Phoenix
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 New River.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 7
- UMe Certified / verified
- 0
- Lowest rate
- 2.80%
- Median rate
- 3.72%
- Median list price
- $545,000
- Median cash to assume
- $235,133
New River listings by locked rate
- Under 4%5 homes
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up1 home
New River listings by loan type
- VA5 homesmedian 3.72%
- FHA2 homesmedian 4.72%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby New River ZIP code.
Each ZIP opens the New River map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the New River numbers
What an assumable ratedoes to a New River payment.
The sliders start at the median New River assumable listing: $545,000 list price and a 3.72% 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)$235,000
43% 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 New River
$1,548/mo
New loan at 7.20%$2,104
Assumed at 3.70%
$1,548
Every month$556
Over five years$33,351
Interest you never pay$274,42926-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 New River listing on UMe shows the actual balance, rate, and payment.
How it works in New River
How to assumea mortgage in New River.
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 New River home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the New River 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 $235,133 in New River 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 New River payment written in a different decade.
New River questions
Assuming a mortgagein New River.
The numbers below come from current New River inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in New River?
As of September 2026, UMe tracks 7 active assumable listings in New River. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in New River?
Current New River inventory breaks down as VA (5, median 3.72%) and FHA (2, median 4.72%). 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 New River?
The lowest rate on an active New River assumable listing is 2.80%, and the median across all 7 listings is 3.72%. 5 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 New River?
Across current New River listings, the median principal-and-interest payment on the assumable loan is $1,573 per month versus $2,041 for the same balance at today's rates, a difference of about $468 every month, or $5,618 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 New River?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In New River that gap is currently a median of $235,133 on a median list price of $545,000. 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 New River ZIP codes have the most assumable homes?
The New River ZIP codes with the most active assumable listings are 85087 (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 New River?
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 New River.The rate is already on the house.
Every listing on the New River map has a rate you can take over. Start with the ones in New River, get pre-qualified in minutes, and let UMe carry the assumption to closing.
