Active
31$350,000$32,566 down
- Rate
- 5.50%
6.95%today- Payment
- $1,901/mo
$2,216today
- 5beds
- 3baths
- 2,032sqft
Sun Lakes, Arizona
Assumable homes for salein Sun Lakes, Arizona.
3 homes in Sun Lakes carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.39%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Sun Lakes assumable market
by the numbers.
3active assumable listings
3.39%lowest locked rate
$350kmedian list price
$324saved per month vs. 7.2%
About the market
Assumable mortgagesin Sun Lakes, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Sun Lakes. Updated September 2026.
How assumptions work for buyersSun Lakes, Arizona has 3 homes for sale with an assumable mortgage as of September 2026: 2 FHA loans and 1 VA loan 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 Lakes assumable listings start at 3.39% with a median of 6.42%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Sun Lakes lists for $350,000, with a median of $165,664 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 $1,396 a month versus $1,720 for the same balance at today's rate, roughly $324 kept every month and $3,883 a year. The most active Sun Lakes ZIP codes are 85248 (3).
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 Lakes assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Sun Lakes
View all 3 on the map Homes on the marketin Sun Lakes.
FHA
Active
33$305,000$6,315 down
- Rate
- 6.875%
6.95%today- Payment
- $2,000/mo
$2,015today
- 3beds
- 2baths
- 1,433sqft
19090 SILVER DOG Way, Maricopa
VA
Active
75$699,999$187,440 down
- Rate
- 5.625%
6.95%today- Payment
- $3,033/mo
$3,487today
- 6beds
- 4baths
- 3,367sqft
2355 LA COSTA Place, Chandler
ActiveVerified
23$495,000$238,361 down
- Rate
- 2.375%
6.95%today- Payment
- $1,155/mo
$1,967today
- 4beds
- 2baths
- 1,489sqft
194 SHANNON Street, Gilbert
VA
ActiveVerified
43$799,900$21,251 down
- Rate
- 5.81%
6.95%today- Payment
- $4,850/mo
$5,465today
- 5beds
- 3baths
- 3,421sqft
2535 SARATOGA Street, Gilbert
FHATop pick
Active
35$304,730$27,281 down
- Rate
- 2.84%
6.95%today- Payment
- $1,287/mo
$2,062today
- 3beds
- 2baths
- 1,369sqft
36131 SEVILLE Drive, Maricopa
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 Lakes.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 3
- UMe Certified / verified
- 0
- Lowest rate
- 3.39%
- Median rate
- 6.42%
- Median list price
- $350,000
- Median cash to assume
- $165,664
Sun Lakes listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up2 homes
Sun Lakes listings by loan type
- FHA2 homesmedian 5.19%
- VA1 homemedian 6.42%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Sun Lakes ZIP code.
Each ZIP opens the Sun Lakes map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Sun Lakes numbers
What an assumable ratedoes to a Sun Lakes payment.
The sliders start at the median Sun Lakes assumable listing: $350,000 list price and a 6.42% 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)$165,000
47% 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 Lakes
$1,218/mo
New loan at 7.20%$1,256
Assumed at 6.40%
$1,218
Every month$37
Over five years$2,239
Interest you never pay$71,92126-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 Lakes listing on UMe shows the actual balance, rate, and payment.
How it works in Sun Lakes
How to assumea mortgage in Sun Lakes.
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 Lakes home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Sun Lakes 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 $165,664 in Sun Lakes 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 Lakes payment written in a different decade.
Sun Lakes questions
Assuming a mortgagein Sun Lakes.
The numbers below come from current Sun Lakes inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Sun Lakes?
As of September 2026, UMe tracks 3 active assumable listings in Sun Lakes. 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 Lakes?
Current Sun Lakes inventory breaks down as FHA (2, median 5.19%) and VA (1, median 6.42%). 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 Lakes?
The lowest rate on an active Sun Lakes assumable listing is 3.39%, and the median across all 3 listings is 6.42%. 1 listing is 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 Sun Lakes?
Across current Sun Lakes listings, the median principal-and-interest payment on the assumable loan is $1,396 per month versus $1,720 for the same balance at today's rates, a difference of about $324 every month, or $3,883 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 Lakes?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Sun Lakes that gap is currently a median of $165,664 on a median list price of $350,000. 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 Lakes ZIP codes have the most assumable homes?
The Sun Lakes ZIP codes with the most active assumable listings are 85248 (3). 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 Lakes?
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 Lakes.The rate is already on the house.
Every listing on the Sun Lakes map has a rate you can take over. Start with the ones in Sun Lakes, get pre-qualified in minutes, and let UMe carry the assumption to closing.
