6.58% FHA
Certified
$350,000
$2,134/mo
35391 Santa Monica Avenue
Maricopa, AZ
5 bd3 ba2,032 sqft
Maricopa, Arizona
Keep the rate.
Buy the home in Maricopa.
170 assumable homes for sale in Maricopa, with locked rates from 2.15%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.32%
vs 7.2% market
$579/mo saved
Median locked rate
5.32%
Across 170 assumable listings
Typical monthly savings
$579
On a $339,945 home vs 7.2%
Certified listings
2
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Maricopa
Homes with a rate worth keeping
6.88% FHA
Certified
$305,000
$2,000/mo
19090 SILVER DOG Way
Maricopa, AZ
3 bd2 ba1,433 sqft
2.50% FHA
$409,000
$1,583/mo
36540 LEONESSA Avenue
Maricopa, AZ
4 bd3 ba2,257 sqft
3.10% FHA
$171,600
$1,093/mo
52989 CENTURY Road
Maricopa, AZ
3 bd2 ba1,206 sqft
2.84% FHA
$304,730
$1,287/mo
36131 SEVILLE Drive
Maricopa, AZ
3 bd2 ba1,369 sqft
2.87% VA
$300,000
$1,305/mo
38105 SAN ALVAREZ Avenue
Maricopa, AZ
3 bd2 ba1,611 sqft
Inventory snapshot
What’s assumable in Maricopa right now
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 170
- Certified / verified
- 2
- Lowest rate
- 2.15%
- Median rate
- 5.32%
- Median list price
- $339,945
- Median cash to assume
- $95,476
Listings by locked rate
- Under 4%63 homes
- 4% – 5%14 homes
- 5% – 6%9 homes
- 6% and up76 homes
Listings by loan type
- FHA124 homesmedian 6.14%
- VA46 homesmedian 3.71%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Maricopa ZIP code
Nearby markets
More assumable homes in Arizona
- Phoenix504
- Mesa248
- Buckeye229
- Surprise198
- San Tan Valley185
- 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
- Aguila
Run your numbers
The cost of waiting in Maricopa.
A 7.2% new loan against an assumable one at 5.32%, same balance, 30 years.
You keep every month
$332/mo
Over a year$3,990
Monthly payment, side by side
7.2% vs 5.32%
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 Maricopa
Numbers below come from current Maricopa inventory and update as listings change.
- How many assumable homes are for sale in Maricopa?
- As of September 2026, UMe tracks 170 active assumable listings in Maricopa. 2 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 Maricopa?
- Current Maricopa inventory breaks down as FHA (124, median 6.14%) and VA (46, median 3.71%). 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 Maricopa right now?
- The lowest rate on an active Maricopa assumable listing is 2.15%, and the median across all 170 listings is 5.32%. 63 listings are under 4% and 77 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 Maricopa?
- Across current Maricopa listings, the median principal-and-interest payment on the assumable loan is $1,569 per month versus $2,148 for the same balance at today's rates, a difference of about $579 every month, or $6,950 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 Maricopa?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Maricopa that gap is currently a median of $95,476 on a median list price of $339,945. 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 Maricopa ZIP codes have the most assumable homes?
- The Maricopa ZIP codes with the most active assumable listings are 85138 (131) and 85139 (39). 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 Maricopa?
- 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 Maricopa.
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.
