VA
Active
43$348,000$110,105 down
- Rate
- 2.96%
6.95%today- Payment
- $1,123/mo
$1,773today
- 4beds
- 2baths
- 1,694sqft
Camp Verde, Arizona
Assumable homes for salein Camp Verde, Arizona.
8 homes in Camp Verde carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.77%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Camp Verde assumable market
by the numbers.
8active assumable listings
2.77%lowest locked rate
$417kmedian list price
$711saved per month vs. 7.2%
About the market
Assumable mortgagesin Camp Verde, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Camp Verde. Updated September 2026.
How assumptions work for buyersCamp Verde, Arizona has 8 homes for sale with an assumable mortgage as of September 2026: 4 FHA loans and 4 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 Camp Verde assumable listings start at 2.77% with a median of 3.02%; 6 listings are under 4% and 7 are under 5%.
The median assumable home in Camp Verde lists for $417,500, with a median of $179,461 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 $1,185 a month versus $1,897 for the same balance at today's rate, roughly $711 kept every month and $8,538 a year. The most active Camp Verde ZIP codes are 86322 (8).
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 Camp Verde assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Camp Verde
View all 8 on the map Homes on the marketin Camp Verde.
FHA
Active
35$315,000$205,364 down
- Rate
- 2.74%
6.95%today- Payment
- $510/mo
$828today
- 3beds
- 2baths
- 1,079sqft
5680 Debbie Lane, Rimrock
VA
Active
69$895,000$365,136 down
- Rate
- 2.77%
6.95%today- Payment
- $2,484/mo
$4,018today
- 3beds
- 3baths
- 2,502sqft
436 SALT MINE Road, Camp Verde
VA
Active
44$375,000$222,715 down
- Rate
- 2.81%
6.95%today- Payment
- $712/mo
$1,146today
- 1beds
- 1baths
- 998sqft
10145 DEES Lane, Cornville
FHA
Active
38$330,000$158,957 down
- Rate
- 2.88%
6.95%today- Payment
- $819/mo
$1,306today
- 3beds
- 2baths
- 1,008sqft
2852 ASPEN Way, Camp Verde
FHA
Active
40$525,000$322,943 down
- Rate
- 2.89%
6.95%today- Payment
- $964/mo
$1,536today
- 3beds
- 2baths
- 1,414sqft
2495 SEXTON RANCH Road, Cornville
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 Camp Verde.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 8
- UMe Certified / verified
- 0
- Lowest rate
- 2.77%
- Median rate
- 3.02%
- Median list price
- $417,500
- Median cash to assume
- $179,461
Camp Verde listings by locked rate
- Under 4%6 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up1 home
Camp Verde listings by loan type
- FHA4 homesmedian 3.88%
- VA4 homesmedian 2.92%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Camp Verde ZIP code.
Each ZIP opens the Camp Verde map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Camp Verde numbers
What an assumable ratedoes to a Camp Verde payment.
The sliders start at the median Camp Verde assumable listing: $417,500 list price and a 3.02% 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)$175,000
42% 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 Camp Verde
$1,109/mo
New loan at 7.20%$1,629
Assumed at 3.00%
$1,109
Every month$520
Over five years$31,220
Interest you never pay$240,54126-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 Camp Verde listing on UMe shows the actual balance, rate, and payment.
How it works in Camp Verde
How to assumea mortgage in Camp Verde.
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 Camp Verde home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Camp Verde 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 $179,461 in Camp Verde 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 Camp Verde payment written in a different decade.
Camp Verde questions
Assuming a mortgagein Camp Verde.
The numbers below come from current Camp Verde inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Camp Verde?
As of September 2026, UMe tracks 8 active assumable listings in Camp Verde. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Camp Verde?
Current Camp Verde inventory breaks down as FHA (4, median 3.88%) and VA (4, median 2.92%). 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 Camp Verde?
The lowest rate on an active Camp Verde assumable listing is 2.77%, and the median across all 8 listings is 3.02%. 6 listings are under 4% and 7 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 Camp Verde?
Across current Camp Verde listings, the median principal-and-interest payment on the assumable loan is $1,185 per month versus $1,897 for the same balance at today's rates, a difference of about $711 every month, or $8,538 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 Camp Verde?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Camp Verde that gap is currently a median of $179,461 on a median list price of $417,500. 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 Camp Verde ZIP codes have the most assumable homes?
The Camp Verde ZIP codes with the most active assumable listings are 86322 (8). 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 Camp Verde?
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 Camp Verde.The rate is already on the house.
Every listing on the Camp Verde map has a rate you can take over. Start with the ones in Camp Verde, get pre-qualified in minutes, and let UMe carry the assumption to closing.
