VA
Active
56$949,000$349,108 down
- Rate
- 2.88%
6.95%today- Payment
- $2,770/mo
$4,416today
- 4beds
- 3baths
- 3,576sqft
Rimrock, Arizona
Assumable homes for salein Rimrock, Arizona.
7 homes in Rimrock carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.74%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Rimrock assumable market
by the numbers.
7active assumable listings
2.74%lowest locked rate
$459kmedian list price
$284saved per month vs. 7.2%
About the market
Assumable mortgagesin Rimrock, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Rimrock. Updated September 2026.
How assumptions work for buyersRimrock, 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 Rimrock assumable listings start at 2.74% with a median of 6.36%; 2 listings are under 4% and 2 are under 5%.
The median assumable home in Rimrock lists for $459,000, with a median of $109,248 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 $2,211 a month versus $2,494 for the same balance at today's rate, roughly $284 kept every month and $3,403 a year. The most active Rimrock ZIP codes are 86335 (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 Rimrock assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Rimrock
View all 7 on the map Homes on the marketin Rimrock.
VA
Active
43$348,000$110,105 down
- Rate
- 2.96%
6.95%today- Payment
- $1,123/mo
$1,773today
- 4beds
- 2baths
- 1,694sqft
680 HIGHLINE Lane, Camp Verde
FHA
Active
35$315,000$205,364 down
- Rate
- 2.74%
6.95%today- Payment
- $510/mo
$828today
- 3beds
- 2baths
- 1,079sqft
5680 Debbie Lane, Rimrock
VA
Active
69$895,000$365,136 down
- Rate
- 2.77%
6.95%today- Payment
- $2,484/mo
$4,018today
- 3beds
- 3baths
- 2,502sqft
436 SALT MINE Road, Camp Verde
VA
Active
44$375,000$222,715 down
- Rate
- 2.81%
6.95%today- Payment
- $712/mo
$1,146today
- 1beds
- 1baths
- 998sqft
10145 DEES Lane, Cornville
FHA
Active
38$330,000$158,957 down
- Rate
- 2.88%
6.95%today- Payment
- $819/mo
$1,306today
- 3beds
- 2baths
- 1,008sqft
2852 ASPEN Way, Camp Verde
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 Rimrock.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 7
- UMe Certified / verified
- 0
- Lowest rate
- 2.74%
- Median rate
- 6.36%
- Median list price
- $459,000
- Median cash to assume
- $109,248
Rimrock listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up5 homes
Rimrock listings by loan type
- FHA4 homesmedian 4.75%
- VA3 homesmedian 6.50%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Rimrock ZIP code.
Each ZIP opens the Rimrock map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Rimrock numbers
What an assumable ratedoes to a Rimrock payment.
The sliders start at the median Rimrock assumable listing: $459,000 list price and a 6.36% 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)$110,000
24% 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 Rimrock
$2,294/mo
New loan at 7.20%$2,376
Assumed at 6.35%
$2,294
Every month$82
Over five years$4,896
Interest you never pay$139,49726-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 Rimrock listing on UMe shows the actual balance, rate, and payment.
How it works in Rimrock
How to assumea mortgage in Rimrock.
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 Rimrock home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Rimrock 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 $109,248 in Rimrock 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 Rimrock payment written in a different decade.
Rimrock questions
Assuming a mortgagein Rimrock.
The numbers below come from current Rimrock inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Rimrock?
As of September 2026, UMe tracks 7 active assumable listings in Rimrock. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Rimrock?
Current Rimrock inventory breaks down as FHA (4, median 4.75%) and VA (3, median 6.50%). 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 Rimrock?
The lowest rate on an active Rimrock assumable listing is 2.74%, and the median across all 7 listings is 6.36%. 2 listings are under 4% and 2 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 Rimrock?
Across current Rimrock listings, the median principal-and-interest payment on the assumable loan is $2,211 per month versus $2,494 for the same balance at today's rates, a difference of about $284 every month, or $3,403 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 Rimrock?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Rimrock that gap is currently a median of $109,248 on a median list price of $459,000. 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 Rimrock ZIP codes have the most assumable homes?
The Rimrock ZIP codes with the most active assumable listings are 86335 (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 Rimrock?
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 Rimrock.The rate is already on the house.
Every listing on the Rimrock map has a rate you can take over. Start with the ones in Rimrock, get pre-qualified in minutes, and let UMe carry the assumption to closing.
