3.76% FHA
$310,000
$1,639/mo
1880 Gallian Fox Run
Dewey-Humboldt, AZ
3 bd2 ba1,513 sqft
Cottonwood, Arizona
Keep the rate.
Buy the home in Cottonwood.
8 assumable homes for sale in Cottonwood, with locked rates from 2.98%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.61%
vs 7.2% market
$399/mo saved
Median locked rate
6.61%
Across 8 assumable listings
Typical monthly savings
$399
On a $347,450 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 Cottonwood
Homes with a rate worth keeping
3.45% VA
$259,900
$892/mo
550 Mingus Shadows Drive
Clarkdale, AZ
2 bd3 ba1,717 sqft
2.81% VA
$375,000
$712/mo
10145 DEES Lane
Cornville, AZ
1 bd1 ba998 sqft
2.89% FHA
$525,000
$964/mo
2495 SEXTON RANCH Road
Cornville, AZ
3 bd2 ba1,414 sqft
2.89% VA
$470,000
$843/mo
1012 APACHE Trail
Camp Verde, AZ
3 bd2 ba1,569 sqft
2.98% FHA
$319,000
$486/mo
3382 Grand View Drive
Cottonwood, AZ
2 bd2 ba1,217 sqft
Inventory snapshot
What’s assumable in Cottonwood right now
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 8
- Certified / verified
- 0
- Lowest rate
- 2.98%
- Median rate
- 6.61%
- Median list price
- $347,450
- Median cash to assume
- $152,919
Listings by locked rate
- Under 4%3 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up5 homes
Listings by loan type
- FHA6 homesmedian 6.61%
- VA2 homesmedian 4.96%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Cottonwood 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 Cottonwood.
A 7.2% new loan against an assumable one at 6.61%, same balance, 30 years.
You keep every month
$109/mo
Over a year$1,307
Monthly payment, side by side
7.2% vs 6.61%
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 Cottonwood
Numbers below come from current Cottonwood inventory and update as listings change.
- How many assumable homes are for sale in Cottonwood?
- As of September 2026, UMe tracks 8 active assumable listings in Cottonwood. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Cottonwood?
- Current Cottonwood inventory breaks down as FHA (6, median 6.61%) and VA (2, median 4.96%). 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 Cottonwood right now?
- The lowest rate on an active Cottonwood assumable listing is 2.98%, and the median across all 8 listings is 6.61%. 3 listings are under 4% and 3 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 Cottonwood?
- Across current Cottonwood listings, the median principal-and-interest payment on the assumable loan is $1,751 per month versus $2,149 for the same balance at today's rates, a difference of about $399 every month, or $4,783 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 Cottonwood?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Cottonwood that gap is currently a median of $152,919 on a median list price of $347,450. 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 Cottonwood ZIP codes have the most assumable homes?
- The Cottonwood ZIP codes with the most active assumable listings are 86326 (8). 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 Cottonwood?
- 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 Cottonwood.
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.
