VA
Active
11$409,999$89,296 down
- Rate
- 2.50%
6.95%today- Payment
- $1,442/mo
$2,416today
- 3beds
- 2baths
- 1,931sqft
Sun City West, Arizona
Assumable homes for salein Sun City West, Arizona.
15 homes in Sun City West carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.71%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Sun City West assumable market
by the numbers.
15active assumable listings
2.71%lowest locked rate
$460kmedian list price
$772saved per month vs. 7.2%
About the market
Assumable mortgagesin Sun City West, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Sun City West. Updated September 2026.
How assumptions work for buyersSun City West, Arizona has 15 homes for sale with an assumable mortgage as of September 2026: 9 FHA loans and 6 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 Sun City West assumable listings start at 2.71% with a median of 4.98%; 7 listings are under 4% and 8 are under 5%.
The median assumable home in Sun City West lists for $460,000, with a median of $169,318 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 $1,224 a month versus $1,997 for the same balance at today's rate, roughly $772 kept every month and $9,264 a year. The most active Sun City West ZIP codes are 85375 (15).
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 Sun City West assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Sun City West
View all 15 on the map Homes on the marketin Sun City West.
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
Active
28$410,000$28,874 down
- Rate
- 4.875%
6.95%today- Payment
- $2,096/mo
$2,622today
- 4beds
- 2baths
- 1,789sqft
18261 Poston Drive, Surprise
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
36$399,900Potential short sale
- Rate
- 6.50%
6.95%today- Payment
- $2,605/mo
$2,728today
- 3beds
- 3baths
- 1,961sqft
14113 HACKAMORE Drive, Surprise
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 Sun City West.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 15
- UMe Certified / verified
- 0
- Lowest rate
- 2.71%
- Median rate
- 4.98%
- Median list price
- $460,000
- Median cash to assume
- $169,318
Sun City West listings by locked rate
- Under 4%7 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up7 homes
Sun City West listings by loan type
- FHA9 homesmedian 6.28%
- VA6 homesmedian 3.19%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Sun City West ZIP code.
Each ZIP opens the Sun City West map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Sun City West numbers
What an assumable ratedoes to a Sun City West payment.
The sliders start at the median Sun City West assumable listing: $460,000 list price and a 4.98% 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)$170,000
37% 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 Sun City West
$1,663/mo
New loan at 7.20%$1,968
Assumed at 5.00%
$1,663
Every month$306
Over five years$18,347
Interest you never pay$189,89426-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 Sun City West listing on UMe shows the actual balance, rate, and payment.
How it works in Sun City West
How to assumea mortgage in Sun City West.
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 Sun City West home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Sun City West 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 $169,318 in Sun City West 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 Sun City West payment written in a different decade.
Sun City West questions
Assuming a mortgagein Sun City West.
The numbers below come from current Sun City West inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Sun City West?
As of September 2026, UMe tracks 15 active assumable listings in Sun City West. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Sun City West?
Current Sun City West inventory breaks down as FHA (9, median 6.28%) and VA (6, median 3.19%). 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 Sun City West?
The lowest rate on an active Sun City West assumable listing is 2.71%, and the median across all 15 listings is 4.98%. 7 listings are under 4% and 8 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 Sun City West?
Across current Sun City West listings, the median principal-and-interest payment on the assumable loan is $1,224 per month versus $1,997 for the same balance at today's rates, a difference of about $772 every month, or $9,264 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 Sun City West?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Sun City West that gap is currently a median of $169,318 on a median list price of $460,000. 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 Sun City West ZIP codes have the most assumable homes?
The Sun City West ZIP codes with the most active assumable listings are 85375 (15). 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 Sun City West?
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 Sun City West.The rate is already on the house.
Every listing on the Sun City West map has a rate you can take over. Start with the ones in Sun City West, get pre-qualified in minutes, and let UMe carry the assumption to closing.
