VA
Active
11$409,999$89,296 down
- Rate
- 2.50%
6.95%today- Payment
- $1,442/mo
$2,416today
- 3beds
- 2baths
- 1,931sqft
Tolleson, Arizona
Assumable homes for salein Tolleson, Arizona.
38 homes in Tolleson 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
Tolleson assumable market
by the numbers.
38active assumable listings
2.74%lowest locked rate
$410kmedian list price
$355saved per month vs. 7.2%
About the market
Assumable mortgagesin Tolleson, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Tolleson. Updated September 2026.
How assumptions work for buyersTolleson, Arizona has 38 homes for sale with an assumable mortgage as of September 2026: 35 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 Tolleson assumable listings start at 2.74% with a median of 6.34%; 9 listings are under 4% and 12 are under 5%.
The median assumable home in Tolleson lists for $410,500, with a median of $50,459 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 $2,375 a month versus $2,729 for the same balance at today's rate, roughly $355 kept every month and $4,256 a year. The most active Tolleson ZIP codes are 85353 (38).
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 Tolleson assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Tolleson
View all 38 on the map Homes on the marketin Tolleson.
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
33$424,900Potential short sale
- Rate
- 4.99%
6.95%today- Payment
- $2,316/mo
$2,859today
- 4beds
- 2baths
- 1,604sqft
7429 76TH Lane, Laveen
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
17$389,000$25,105 down
- Rate
- 5.625%
6.95%today- Payment
- $2,148/mo
$2,470today
- 4beds
- 2baths
- 1,666sqft
6817 DESERT Lane, Laveen
FHA
Active
38$579,000$46,539 down
- Rate
- 5.75%
6.95%today- Payment
- $3,155/mo
$3,579today
- 3beds
- 3baths
- 2,615sqft
4950 WEEPING WILLOW Way, Laveen
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 Tolleson.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 38
- UMe Certified / verified
- 0
- Lowest rate
- 2.74%
- Median rate
- 6.34%
- Median list price
- $410,500
- Median cash to assume
- $50,459
Tolleson listings by locked rate
- Under 4%9 homes
- 4% – 5%3 homes
- 5% – 6%4 homes
- 6% and up22 homes
Tolleson listings by loan type
- FHA35 homesmedian 6.43%
- VA3 homesmedian 4.98%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Tolleson ZIP code.
Each ZIP opens the Tolleson map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Tolleson numbers
What an assumable ratedoes to a Tolleson payment.
The sliders start at the median Tolleson assumable listing: $410,500 list price and a 6.34% 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)$50,000
12% 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 Tolleson
$2,360/mo
New loan at 7.20%$2,444
Assumed at 6.35%
$2,360
Every month$84
Over five years$5,036
Interest you never pay$143,48226-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 Tolleson listing on UMe shows the actual balance, rate, and payment.
How it works in Tolleson
How to assumea mortgage in Tolleson.
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 Tolleson home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Tolleson 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 $50,459 in Tolleson 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 Tolleson payment written in a different decade.
Tolleson questions
Assuming a mortgagein Tolleson.
The numbers below come from current Tolleson inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Tolleson?
As of September 2026, UMe tracks 38 active assumable listings in Tolleson. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Tolleson?
Current Tolleson inventory breaks down as FHA (35, median 6.43%) and VA (3, median 4.98%). 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 Tolleson?
The lowest rate on an active Tolleson assumable listing is 2.74%, and the median across all 38 listings is 6.34%. 9 listings are under 4% and 12 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 Tolleson?
Across current Tolleson listings, the median principal-and-interest payment on the assumable loan is $2,375 per month versus $2,729 for the same balance at today's rates, a difference of about $355 every month, or $4,256 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 Tolleson?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Tolleson that gap is currently a median of $50,459 on a median list price of $410,500. 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 Tolleson ZIP codes have the most assumable homes?
The Tolleson ZIP codes with the most active assumable listings are 85353 (38). 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 Tolleson?
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 Tolleson.The rate is already on the house.
Every listing on the Tolleson map has a rate you can take over. Start with the ones in Tolleson, get pre-qualified in minutes, and let UMe carry the assumption to closing.
