FHA
Active
18$239,750$24,284 down
- Rate
- 2.81%
6.95%today- Payment
- $1,010/mo
$1,625today
- 5beds
- 3baths
- 2,082sqft
Arlington, Arizona
Assumable homes for salein Arlington, Arizona.
4 homes in Arlington carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.81%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Arlington assumable market
by the numbers.
4active assumable listings
2.81%lowest locked rate
$260kmedian list price
$594saved per month vs. 7.2%
About the market
Assumable mortgagesin Arlington, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Arlington. Updated September 2026.
How assumptions work for buyersArlington, Arizona has 4 homes for sale with an assumable mortgage as of September 2026: 4 FHA 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 Arlington assumable listings start at 2.81% with a median of 4.31%; 2 listings are under 4% and 3 are under 5%.
The median assumable home in Arlington lists for $259,889, with a median of $24,284 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 $1,399 a month versus $1,993 for the same balance at today's rate, roughly $594 kept every month and $7,124 a year. The most active Arlington ZIP codes are 85322 (4).
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 Arlington assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Arlington
View all 4 on the map Homes on the marketin Arlington.
FHA
Active
36$389,000$100,275 down
- Rate
- 2.81%
6.95%today- Payment
- $1,353/mo
$2,177today
- 5beds
- 4baths
- 2,909sqft
3061 301ST Drive, Buckeye
VA
Active
37$425,000$112,519 down
- Rate
- 3.01%
6.95%today- Payment
- $1,474/mo
$2,311today
- 5beds
- 3baths
- 2,658sqft
30916 VERDE Lane, Buckeye
VA
Active
40$325,000$91,900 down
- Rate
- 3.07%
6.95%today- Payment
- $1,102/mo
$1,714today
- 3beds
- 2baths
- 2,016sqft
3502 335TH Avenue, Tonopah
FHA
Active
28$400,000$128,331 down
- Rate
- 2.84%
6.95%today- Payment
- $1,257/mo
$2,015today
- 3beds
- 2baths
- 1,820sqft
2529 305TH Avenue, Buckeye
FHA
Active
27$345,000$114,547 down
- Rate
- 3.02%
6.95%today- Payment
- $1,121/mo
$1,755today
- 4beds
- 2baths
- 1,915sqft
3795 298TH Avenue, Buckeye
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 Arlington.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 4
- UMe Certified / verified
- 0
- Lowest rate
- 2.81%
- Median rate
- 4.31%
- Median list price
- $259,889
- Median cash to assume
- $24,284
Arlington listings by locked rate
- Under 4%2 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up1 home
Arlington listings by loan type
- FHA4 homesmedian 4.31%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Arlington ZIP code.
Each ZIP opens the Arlington map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Arlington numbers
What an assumable ratedoes to an Arlington payment.
The sliders start at the median Arlington assumable listing: $259,889 list price and a 4.31% 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)$25,000
10% 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 Arlington
$1,252/mo
New loan at 7.20%$1,595
Assumed at 4.30%
$1,252
Every month$343
Over five years$20,569
Interest you never pay$183,52826-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 Arlington listing on UMe shows the actual balance, rate, and payment.
How it works in Arlington
How to assumea mortgage in Arlington.
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 Arlington home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Arlington 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 $24,284 in Arlington 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 Arlington payment written in a different decade.
Arlington questions
Assuming a mortgagein Arlington.
The numbers below come from current Arlington inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Arlington?
As of September 2026, UMe tracks 4 active assumable listings in Arlington. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Arlington?
Current Arlington inventory breaks down as FHA (4, median 4.31%). 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 Arlington?
The lowest rate on an active Arlington assumable listing is 2.81%, and the median across all 4 listings is 4.31%. 2 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 Arlington?
Across current Arlington listings, the median principal-and-interest payment on the assumable loan is $1,399 per month versus $1,993 for the same balance at today's rates, a difference of about $594 every month, or $7,124 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 Arlington?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Arlington that gap is currently a median of $24,284 on a median list price of $259,889. 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 Arlington ZIP codes have the most assumable homes?
The Arlington ZIP codes with the most active assumable listings are 85322 (4). 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 Arlington?
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 Arlington.The rate is already on the house.
Every listing on the Arlington map has a rate you can take over. Start with the ones in Arlington, get pre-qualified in minutes, and let UMe carry the assumption to closing.
