VA
Active
30$260,000$90,356 down
- Rate
- 3.76%
6.95%today- Payment
- $858/mo
$1,225today
- 3beds
- 2baths
- 1,346sqft
Benson, Arizona
Assumable homes for salein Benson, Arizona.
5 homes in Benson carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.50%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Benson assumable market
by the numbers.
5active assumable listings
3.50%lowest locked rate
$270kmedian list price
$300saved per month vs. 7.2%
About the market
Assumable mortgagesin Benson, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Benson. Updated September 2026.
How assumptions work for buyersBenson, Arizona has 5 homes for sale with an assumable mortgage as of September 2026: 4 VA loans and 1 FHA loan 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 Benson assumable listings start at 3.50% with a median of 3.92%; 3 listings are under 4% and 3 are under 5%.
The median assumable home in Benson lists for $269,950, with a median of $129,517 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 $856 a month versus $1,156 for the same balance at today's rate, roughly $300 kept every month and $3,600 a year. The most active Benson ZIP codes are 85602 (5).
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 Benson assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Benson
View all 5 on the map Homes on the marketin Benson.
VA
Active
50$785,000$785,000 down
- Rate
- 3.50%
6.95%today- Payment
- $0/mo
- 3beds
- 2baths
- 2,687sqft
1564 FLORES Lane, Benson
VA
Active
49$289,000$169,559 down
- Rate
- 3.92%
6.95%today- Payment
- $686/mo
$960today
- 3beds
- 2baths
- 1,770sqft
3313 THUNDERBIRD Trail, Benson
VA
Active
45$269,950$18,529 down
- Rate
- 6.89%
6.95%today- Payment
- $1,678/mo
$1,688today
- 3beds
- 2baths
- 1,651sqft
1705 MOONSHADOW Drive, Benson
FHA
Active
4$110,160Potential short sale
- Rate
- 6.34%
6.95%today- Payment
- $854/mo
$910today
- 3beds
- 2baths
- 1,218sqft
2108 GLORIOUS Drive, Benson
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 Benson.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 5
- UMe Certified / verified
- 0
- Lowest rate
- 3.50%
- Median rate
- 3.92%
- Median list price
- $269,950
- Median cash to assume
- $129,517
Benson listings by locked rate
- Under 4%3 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up2 homes
Benson listings by loan type
- VA4 homesmedian 3.84%
- FHA1 homemedian 6.34%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Benson ZIP code.
Each ZIP opens the Benson map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Benson numbers
What an assumable ratedoes to a Benson payment.
The sliders start at the median Benson assumable listing: $269,950 list price and a 3.92% 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)$130,000
48% 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 Benson
$715/mo
New loan at 7.20%$950
Assumed at 3.90%
$715
Every month$236
Over five years$14,137
Interest you never pay$119,12526-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 Benson listing on UMe shows the actual balance, rate, and payment.
How it works in Benson
How to assumea mortgage in Benson.
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 a Benson home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Benson 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 $129,517 in Benson 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 a Benson payment written in a different decade.
Benson questions
Assuming a mortgagein Benson.
The numbers below come from current Benson inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Benson?
As of September 2026, UMe tracks 5 active assumable listings in Benson. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Benson?
Current Benson inventory breaks down as VA (4, median 3.84%) and FHA (1, median 6.34%). 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 Benson?
The lowest rate on an active Benson assumable listing is 3.50%, and the median across all 5 listings is 3.92%. 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 Benson?
Across current Benson listings, the median principal-and-interest payment on the assumable loan is $856 per month versus $1,156 for the same balance at today's rates, a difference of about $300 every month, or $3,600 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 Benson?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Benson that gap is currently a median of $129,517 on a median list price of $269,950. 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 Benson ZIP codes have the most assumable homes?
The Benson ZIP codes with the most active assumable listings are 85602 (5). 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 Benson?
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 Benson.The rate is already on the house.
Every listing on the Benson map has a rate you can take over. Start with the ones in Benson, get pre-qualified in minutes, and let UMe carry the assumption to closing.
