FHA
Active
32$298,000$21,203 down
- Rate
- 4.17%
6.95%today- Payment
- $1,463/mo
$1,987today
- 3beds
- 2baths
- 1,570sqft
Wickenburg, Arizona
Assumable homes for salein Wickenburg, Arizona.
14 homes in Wickenburg carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.48%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Wickenburg assumable market
by the numbers.
14active assumable listings
2.48%lowest locked rate
$492kmedian list price
$220saved per month vs. 7.2%
About the market
Assumable mortgagesin Wickenburg, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Wickenburg. Updated September 2026.
How assumptions work for buyersWickenburg, Arizona has 14 homes for sale with an assumable mortgage as of September 2026: 8 VA loans and 6 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 Wickenburg assumable listings start at 2.48% with a median of 5.71%; 4 listings are under 4% and 6 are under 5%.
The median assumable home in Wickenburg lists for $492,000, with a median of $117,353 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 $2,092 a month versus $2,312 for the same balance at today's rate, roughly $220 kept every month and $2,646 a year. The most active Wickenburg ZIP codes are 85390 (14).
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 Wickenburg assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Wickenburg
View all 14 on the map Homes on the marketin Wickenburg.
FHA
Active
26$349,750$118,222 down
- Rate
- 2.68%
6.95%today- Payment
- $1,075/mo
$1,759today
- 3beds
- 3baths
- 1,344sqft
690 DYLAN Court, Wickenburg
VA
Active
95$734,500$98,808 down
- Rate
- 4.00%
6.95%today- Payment
- $3,299/mo
$4,574today
- 3beds
- 3baths
- 2,604sqft
4230 BLACKSMITH Way, Wickenburg
VA
Active
57$825,000$191,506 down
- Rate
- 3.75%
6.95%today- Payment
- $3,200/mo
$4,574today
- 3beds
- 3baths
- 2,368sqft
4186 BLACKSMITH Way, Wickenburg
VA
Active
28$339,000$227,241 down
- Rate
- 2.48%
6.95%today- Payment
- $605/mo
$951today
- 3beds
- 4baths
- 1,915sqft
47 NORTHRIDGE Circle, Wickenburg
VA
Active
39$749,900$524,904 down
- Rate
- 2.77%
6.95%today- Payment
- $1,055/mo
$1,706today
- 3beds
- 2baths
- 2,039sqft
35675 CALICO Circle, Wickenburg
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 Wickenburg.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 14
- UMe Certified / verified
- 0
- Lowest rate
- 2.48%
- Median rate
- 5.71%
- Median list price
- $492,000
- Median cash to assume
- $117,353
Wickenburg listings by locked rate
- Under 4%4 homes
- 4% – 5%2 homes
- 5% – 6%1 home
- 6% and up7 homes
Wickenburg listings by loan type
- VA8 homesmedian 5.08%
- FHA6 homesmedian 6.01%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Wickenburg ZIP code.
Each ZIP opens the Wickenburg map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Wickenburg numbers
What an assumable ratedoes to a Wickenburg payment.
The sliders start at the median Wickenburg assumable listing: $492,000 list price and a 5.71% 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)$115,000
23% 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 Wickenburg
$2,307/mo
New loan at 7.20%$2,545
Assumed at 5.70%
$2,307
Every month$238
Over five years$14,292
Interest you never pay$196,49826-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 Wickenburg listing on UMe shows the actual balance, rate, and payment.
How it works in Wickenburg
How to assumea mortgage in Wickenburg.
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 Wickenburg home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Wickenburg 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 $117,353 in Wickenburg 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 Wickenburg payment written in a different decade.
Wickenburg questions
Assuming a mortgagein Wickenburg.
The numbers below come from current Wickenburg inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Wickenburg?
As of September 2026, UMe tracks 14 active assumable listings in Wickenburg. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Wickenburg?
Current Wickenburg inventory breaks down as VA (8, median 5.08%) and FHA (6, median 6.01%). 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 Wickenburg?
The lowest rate on an active Wickenburg assumable listing is 2.48%, and the median across all 14 listings is 5.71%. 4 listings are under 4% and 6 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 Wickenburg?
Across current Wickenburg listings, the median principal-and-interest payment on the assumable loan is $2,092 per month versus $2,312 for the same balance at today's rates, a difference of about $220 every month, or $2,646 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 Wickenburg?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Wickenburg that gap is currently a median of $117,353 on a median list price of $492,000. 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 Wickenburg ZIP codes have the most assumable homes?
The Wickenburg ZIP codes with the most active assumable listings are 85390 (14). 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 Wickenburg?
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 Wickenburg.The rate is already on the house.
Every listing on the Wickenburg map has a rate you can take over. Start with the ones in Wickenburg, get pre-qualified in minutes, and let UMe carry the assumption to closing.
