Active
21$674,999$155,905 down
- Rate
- 3.125%
6.95%today- Payment
- $2,485/mo
$3,839today
- 4beds
- 4baths
- 2,924sqft
Apache Junction, Arizona
Assumable homes for salein Apache Junction, Arizona.
41 homes in Apache Junction carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.87%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Apache Junction assumable market
by the numbers.
41active assumable listings
2.87%lowest locked rate
$400kmedian list price
$312saved per month vs. 7.2%
About the market
Assumable mortgagesin Apache Junction, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Apache Junction. Updated September 2026.
How assumptions work for buyersApache Junction, Arizona has 41 homes for sale with an assumable mortgage as of September 2026: 28 FHA loans and 13 VA 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 Apache Junction assumable listings start at 2.87% with a median of 5.79%; 16 listings are under 4% and 18 are under 5%.
The median assumable home in Apache Junction lists for $399,900, with a median of $160,523 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 $1,621 a month versus $1,933 for the same balance at today's rate, roughly $312 kept every month and $3,740 a year. The most active Apache Junction ZIP codes are 85120 (26) and 85119 (15).
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 Apache Junction assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Apache Junction
View all 41 on the map Homes on the marketin Apache Junction.
FHA
Active
24$349,900$53,980 down
- Rate
- 2.96%
6.95%today- Payment
- $1,400/mo
$2,210today
- 4beds
- 3baths
- 1,961sqft
1562 DESERT VIEW Place, Apache Junction
FHA
Active
18$409,900$77,242 down
- Rate
- 2.96%
6.95%today- Payment
- $1,571/mo
$2,479today
- 4beds
- 3baths
- 1,540sqft
11066 ABILENE Avenue, Mesa
VA
Active
14$424,499$51,738 down
- Rate
- 2.96%
6.95%today- Payment
- $1,760/mo
$2,777today
- 3beds
- 2baths
- 1,397sqft
8025 CICERO Street, Mesa
FHA
Active
15$399,900$66,999 down
- Rate
- 3.00%
6.95%today- Payment
- $1,579/mo
$2,479today
- 4beds
- 3baths
- 1,540sqft
11066 ABILENE Avenue, Mesa
VA
Active
39$388,600$54,879 down
- Rate
- 3.07%
6.95%today- Payment
- $1,574/mo
$2,449today
- 4beds
- 2baths
- 1,579sqft
2681 POWELL Road, Apache Junction
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 Apache Junction.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 41
- UMe Certified / verified
- 0
- Lowest rate
- 2.87%
- Median rate
- 5.79%
- Median list price
- $399,900
- Median cash to assume
- $160,523
Apache Junction listings by locked rate
- Under 4%16 homes
- 4% – 5%2 homes
- 5% – 6%3 homes
- 6% and up19 homes
Apache Junction listings by loan type
- FHA28 homesmedian 5.79%
- VA13 homesmedian 3.96%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Apache Junction ZIP code.
Each ZIP opens the Apache Junction map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Apache Junction numbers
What an assumable ratedoes to an Apache Junction payment.
The sliders start at the median Apache Junction assumable listing: $399,900 list price and a 5.79% 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)$160,000
40% 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 Apache Junction
$1,491/mo
New loan at 7.20%$1,629
Assumed at 5.80%
$1,491
Every month$138
Over five years$8,267
Interest you never pay$121,18626-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 Apache Junction listing on UMe shows the actual balance, rate, and payment.
How it works in Apache Junction
How to assumea mortgage in Apache Junction.
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 an Apache Junction home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Apache Junction 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 $160,523 in Apache Junction 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 an Apache Junction payment written in a different decade.
Apache Junction questions
Assuming a mortgagein Apache Junction.
The numbers below come from current Apache Junction inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Apache Junction?
As of September 2026, UMe tracks 41 active assumable listings in Apache Junction. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Apache Junction?
Current Apache Junction inventory breaks down as FHA (28, median 5.79%) and VA (13, median 3.96%). 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 Apache Junction?
The lowest rate on an active Apache Junction assumable listing is 2.87%, and the median across all 41 listings is 5.79%. 16 listings are under 4% and 18 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 Apache Junction?
Across current Apache Junction listings, the median principal-and-interest payment on the assumable loan is $1,621 per month versus $1,933 for the same balance at today's rates, a difference of about $312 every month, or $3,740 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 Apache Junction?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Apache Junction that gap is currently a median of $160,523 on a median list price of $399,900. 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 Apache Junction ZIP codes have the most assumable homes?
The Apache Junction ZIP codes with the most active assumable listings are 85120 (26) and 85119 (15). 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 Apache Junction?
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 Apache Junction.The rate is already on the house.
Every listing on the Apache Junction map has a rate you can take over. Start with the ones in Apache Junction, get pre-qualified in minutes, and let UMe carry the assumption to closing.
