VA
Active
30$440,000$61,335 down
- Rate
- 2.87%
6.95%today- Payment
- $1,762/mo
$2,813today
- 3beds
- 2baths
- 2,852sqft
Sierra Vista, Arizona
Assumable homes for salein Sierra Vista, Arizona.
56 homes in Sierra Vista carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.19%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Sierra Vista assumable market
by the numbers.
56active assumable listings
2.19%lowest locked rate
$370kmedian list price
$628saved per month vs. 7.2%
About the market
Assumable mortgagesin Sierra Vista, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Sierra Vista. Updated September 2026.
How assumptions work for buyersSierra Vista, Arizona has 56 homes for sale with an assumable mortgage as of September 2026: 47 VA loans and 9 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 Sierra Vista assumable listings start at 2.19% with a median of 4.07%; 26 listings are under 4% and 31 are under 5%.
The median assumable home in Sierra Vista lists for $369,950, with a median of $134,776 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 $1,356 a month versus $1,984 for the same balance at today's rate, roughly $628 kept every month and $7,534 a year. The most active Sierra Vista ZIP codes are 85635 (33) and 85650 (23).
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 Sierra Vista assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Sierra Vista
View all 56 on the map Homes on the marketin Sierra Vista.
VA
Active
35$370,000$47,057 down
- Rate
- 3.07%
6.95%today- Payment
- $1,523/mo
$2,370today
- 4beds
- 2baths
- 2,018sqft
1594 Mission Viejo Drive, Sierra Vista
FHA
Active
44$310,000$93,531 down
- Rate
- 2.87%
6.95%today- Payment
- $1,010/mo
$1,612today
- 3beds
- 2baths
- 1,632sqft
1261 QUESTA Court, Sierra Vista
VA
Active
19$335,000$85,813 down
- Rate
- 2.88%
6.95%today- Payment
- $1,158/mo
$1,847today
- 3beds
- 2baths
- 1,803sqft
1790 KNOWLTON Street, Sierra Vista
VA
Active
32$265,999$69,438 down
- Rate
- 2.90%
6.95%today- Payment
- $916/mo
$1,456today
- 3beds
- 2baths
- 1,458sqft
7011 PINTEK Lane, Hereford
VA
Active
51$279,000$79,107 down
- Rate
- 2.96%
6.95%today- Payment
- $944/mo
$1,489today
- 3beds
- 2baths
- 1,499sqft
556 CAMINO DE TUNDRA --, Huachuca City
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 Sierra Vista.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 56
- UMe Certified / verified
- 0
- Lowest rate
- 2.19%
- Median rate
- 4.07%
- Median list price
- $369,950
- Median cash to assume
- $134,776
Sierra Vista listings by locked rate
- Under 4%26 homes
- 4% – 5%5 homes
- 5% – 6%1 home
- 6% and up23 homes
Sierra Vista listings by loan type
- VA47 homesmedian 3.98%
- FHA9 homesmedian 4.50%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Sierra Vista ZIP code.
Each ZIP opens the Sierra Vista map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Sierra Vista numbers
What an assumable ratedoes to a Sierra Vista payment.
The sliders start at the median Sierra Vista assumable listing: $369,950 list price and a 4.07% 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)$135,000
36% 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 Sierra Vista
$1,219/mo
New loan at 7.20%$1,595
Assumed at 4.05%
$1,219
Every month$376
Over five years$22,553
Interest you never pay$193,84226-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 Sierra Vista listing on UMe shows the actual balance, rate, and payment.
How it works in Sierra Vista
How to assumea mortgage in Sierra Vista.
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 Sierra Vista home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Sierra Vista 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 $134,776 in Sierra Vista 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 Sierra Vista payment written in a different decade.
Sierra Vista questions
Assuming a mortgagein Sierra Vista.
The numbers below come from current Sierra Vista inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Sierra Vista?
As of September 2026, UMe tracks 56 active assumable listings in Sierra Vista. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Sierra Vista?
Current Sierra Vista inventory breaks down as VA (47, median 3.98%) and FHA (9, median 4.50%). 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 Sierra Vista?
The lowest rate on an active Sierra Vista assumable listing is 2.19%, and the median across all 56 listings is 4.07%. 26 listings are under 4% and 31 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 Sierra Vista?
Across current Sierra Vista listings, the median principal-and-interest payment on the assumable loan is $1,356 per month versus $1,984 for the same balance at today's rates, a difference of about $628 every month, or $7,534 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 Sierra Vista?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Sierra Vista that gap is currently a median of $134,776 on a median list price of $369,950. 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 Sierra Vista ZIP codes have the most assumable homes?
The Sierra Vista ZIP codes with the most active assumable listings are 85635 (33) and 85650 (23). 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 Sierra Vista?
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 Sierra Vista.The rate is already on the house.
Every listing on the Sierra Vista map has a rate you can take over. Start with the ones in Sierra Vista, get pre-qualified in minutes, and let UMe carry the assumption to closing.
