2.74% FHA
$321,000
$1,161/mo
631 SILVER REEF Court
Casa Grande, AZ
4 bd2 ba2,178 sqft
Arizona City, Arizona
Keep the rate.
Buy the home in Arizona City.
26 assumable homes for sale in Arizona City, with locked rates from 2.90%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.20%
vs 7.2% market
$535/mo saved
Median locked rate
6.20%
Across 26 assumable listings
Typical monthly savings
$535
On a $252,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Arizona City
Homes with a rate worth keeping
3.07% FHA
$350,000
$1,591/mo
949 WHITE WING Drive
Casa Grande, AZ
6 bd4 ba2,966 sqft
2.98% VA
$250,000
$1,094/mo
15200 REDONDO Road
Arizona City, AZ
3 bd2 ba1,418 sqft
3.00% VA
$300,000
$1,272/mo
9379 PINEVETA Drive
Arizona City, AZ
3 bd2 ba1,615 sqft
3.07% FHA
$259,999
$1,149/mo
9051 RAVEN Drive
Arizona City, AZ
3 bd2 ba1,504 sqft
2.90% VA
$297,000
$1,227/mo
15024 BROOK HOLLOW Road
Arizona City, AZ
3 bd2 ba1,610 sqft
Inventory snapshot
What’s assumable in Arizona City right now
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 26
- Certified / verified
- 0
- Lowest rate
- 2.90%
- Median rate
- 6.20%
- Median list price
- $252,000
- Median cash to assume
- $56,653
Listings by locked rate
- Under 4%10 homes
- 4% – 5%2 homes
- 5% – 6%0 homes
- 6% and up13 homes
Listings by loan type
- FHA15 homesmedian 6.26%
- VA11 homesmedian 3.56%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Arizona City ZIP code
Nearby markets
More assumable homes in Arizona
- Phoenix504
- Mesa248
- Buckeye229
- Surprise198
- San Tan Valley185
- Maricopa170
- Casa Grande115
- Goodyear115
- Glendale113
- Peoria105
- Sierra Vista79
- Gilbert76
- Chandler65
- Florence63
- Avondale57
- Queen Creek55
- Apache Junction54
- Litchfield Park54
- Scottsdale53
- Laveen52
- Prescott50
- Prescott Valley49
- Sun City49
- Tolleson41
Run your numbers
The cost of waiting in Arizona City.
A 7.2% new loan against an assumable one at 6.20%, same balance, 30 years.
You keep every month
$133/mo
Over a year$1,592
Monthly payment, side by side
7.2% vs 6.20%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Arizona City
Numbers below come from current Arizona City inventory and update as listings change.
- How many assumable homes are for sale in Arizona City?
- As of September 2026, UMe tracks 26 active assumable listings in Arizona City. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Arizona City?
- Current Arizona City inventory breaks down as FHA (15, median 6.26%) and VA (11, median 3.56%). 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 Arizona City right now?
- The lowest rate on an active Arizona City assumable listing is 2.90%, and the median across all 26 listings is 6.20%. 10 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 Arizona City?
- Across current Arizona City listings, the median principal-and-interest payment on the assumable loan is $1,210 per month versus $1,745 for the same balance at today's rates, a difference of about $535 every month, or $6,424 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 Arizona City?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Arizona City that gap is currently a median of $56,653 on a median list price of $252,000. 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 Arizona City ZIP codes have the most assumable homes?
- The Arizona City ZIP codes with the most active assumable listings are 85123 (26). 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 Arizona City?
- 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.
Ready when you are
Stop overpaying for Arizona City.
Every listing on the map has a rate you can take over. Start with the ones in Arizona, or list your own low-rate loan and let buyers come to you.
