2.50% VA
Certified
$425,000
$1,442/mo
8803 Orchid Lane
Peoria, AZ
3 bd2 ba1,931 sqft
Glendale, Arizona
Keep the rate.
Buy the home in Glendale.
113 assumable homes for sale in Glendale, with locked rates from 2.25%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.22%
vs 7.2% market
$772/mo saved
Median locked rate
5.22%
Across 113 assumable listings
Typical monthly savings
$772
On a $415,000 home vs 7.2%
Certified listings
3
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Glendale
Homes with a rate worth keeping
3.99% FHA
Certified
$429,500
$2,060/mo
7429 76TH Lane
Laveen, AZ
4 bd2 ba1,604 sqft
2.25% VA
Certified
$1,195,000
$1,748/mo
5949 PINNACLE HILL Drive
Glendale, AZ
4 bd4 ba3,528 sqft
5.63% FHA
Certified
$389,000
$2,148/mo
6817 DESERT Lane
Laveen, AZ
4 bd2 ba1,666 sqft
2.84% FHA
$299,000
$1,338/mo
7051 LINCOLN Street
Peoria, AZ
3 bd3 ba1,744 sqft
2.84% FHA
$290,000
$1,399/mo
1948 77TH Glen
Phoenix, AZ
3 bd3 ba1,682 sqft
Inventory snapshot
What’s assumable in Glendale right now
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 113
- Certified / verified
- 3
- Lowest rate
- 2.25%
- Median rate
- 5.22%
- Median list price
- $415,000
- Median cash to assume
- $114,443
Listings by locked rate
- Under 4%47 homes
- 4% – 5%6 homes
- 5% – 6%14 homes
- 6% and up45 homes
Listings by loan type
- FHA77 homesmedian 5.52%
- VA36 homesmedian 3.51%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Glendale ZIP code
- 85308
24 assumable homes · median 5.03%
median $439,950
- 85301
18 assumable homes · median 5.23%
median $250,000
- 85302
17 assumable homes · median 5.52%
median $375,000
- 85303
13 assumable homes · median 4.46%
median $380,000
- 85304
11 assumable homes · median 6.50%
median $479,000
- 85307
11 assumable homes · median 3.05%
median $415,000
- 85310
7 assumable homes · median 6.58%
median $649,000
- 85305
6 assumable homes · median 5.89%
median $519,745
Nearby markets
More assumable homes in Arizona
- Phoenix504
- Mesa248
- Buckeye229
- Surprise198
- San Tan Valley185
- Maricopa170
- Casa Grande115
- Goodyear115
- Peoria105
- Sierra Vista79
- Gilbert76
- Chandler65
- Florence63
- Avondale57
- Queen Creek55
- Apache Junction54
- Litchfield Park54
- Scottsdale53
- Laveen52
- Prescott50
- Prescott Valley49
- Sun City49
- Tolleson41
- Aguila
Run your numbers
The cost of waiting in Glendale.
A 7.2% new loan against an assumable one at 5.22%, same balance, 30 years.
You keep every month
$426/mo
Over a year$5,117
Monthly payment, side by side
7.2% vs 5.22%
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 Glendale
Numbers below come from current Glendale inventory and update as listings change.
- How many assumable homes are for sale in Glendale?
- As of September 2026, UMe tracks 113 active assumable listings in Glendale. 3 of them are UMe Certified, meaning the loan balance, rate, and assumability have been confirmed with the listing agent. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Glendale?
- Current Glendale inventory breaks down as FHA (77, median 5.52%) and VA (36, median 3.51%). 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 Glendale right now?
- The lowest rate on an active Glendale assumable listing is 2.25%, and the median across all 113 listings is 5.22%. 47 listings are under 4% and 53 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 Glendale?
- Across current Glendale listings, the median principal-and-interest payment on the assumable loan is $1,572 per month versus $2,343 for the same balance at today's rates, a difference of about $772 every month, or $9,259 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 Glendale?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Glendale that gap is currently a median of $114,443 on a median list price of $415,000. 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 Glendale ZIP codes have the most assumable homes?
- The Glendale ZIP codes with the most active assumable listings are 85308 (24), 85301 (18), 85302 (17), 85303 (13), and 85304 (11). 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 Glendale?
- 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 Glendale.
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.
