VA
Active
28$309,900$91,184 down
- Rate
- 2.70%
6.95%today- Payment
- $1,015/mo
$1,657today
- 3beds
- 2baths
- 1,575sqft
Fort Mohave, Arizona
Assumable homes for salein Fort Mohave, Arizona.
1 home in Fort Mohave carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.70%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Fort Mohave assumable market
by the numbers.
1active assumable listing
2.70%lowest locked rate
$310kmedian list price
$738saved per month vs. 7.2%
About the market
Assumable mortgagesin Fort Mohave, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Fort Mohave. Updated September 2026.
How assumptions work for buyersFort Mohave, Arizona has 1 home for sale with an assumable mortgage as of September 2026: 1 VA 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 Fort Mohave assumable listings start at 2.70% with a median of 2.70%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Fort Mohave lists for $309,900, with a median of $91,184 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 $1,015 a month versus $1,754 for the same balance at today's rate, roughly $738 kept every month and $8,861 a year. The most active Fort Mohave ZIP codes are 86426 (1).
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 Fort Mohave assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Fort Mohave
View all 1 on the map Homes on the marketin Fort Mohave.
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 Fort Mohave.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 2.70%
- Median rate
- 2.70%
- Median list price
- $309,900
- Median cash to assume
- $91,184
Fort Mohave listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Fort Mohave listings by loan type
- VA1 homemedian 2.70%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Fort Mohave ZIP code.
Each ZIP opens the Fort Mohave map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Fort Mohave numbers
What an assumable ratedoes to a Fort Mohave payment.
The sliders start at the median Fort Mohave assumable listing: $309,900 list price and a 2.70% 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)$90,000
29% 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 Fort Mohave
$982/mo
New loan at 7.20%$1,493
Assumed at 2.70%
$982
Every month$511
Over five years$30,673
Interest you never pay$231,18126-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 Fort Mohave listing on UMe shows the actual balance, rate, and payment.
How it works in Fort Mohave
How to assumea mortgage in Fort Mohave.
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 Fort Mohave home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Fort Mohave 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 $91,184 in Fort Mohave 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 Fort Mohave payment written in a different decade.
Fort Mohave questions
Assuming a mortgagein Fort Mohave.
The numbers below come from current Fort Mohave inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Fort Mohave?
As of September 2026, UMe tracks 1 active assumable listing in Fort Mohave. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Fort Mohave?
Current Fort Mohave inventory breaks down as VA (1, median 2.70%). 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 Fort Mohave?
The lowest rate on an active Fort Mohave assumable listing is 2.70%, and the median across all 1 listing is 2.70%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Fort Mohave?
Across current Fort Mohave listings, the median principal-and-interest payment on the assumable loan is $1,015 per month versus $1,754 for the same balance at today's rates, a difference of about $738 every month, or $8,861 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 Fort Mohave?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Fort Mohave that gap is currently a median of $91,184 on a median list price of $309,900. 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 Fort Mohave ZIP codes have the most assumable homes?
The Fort Mohave ZIP codes with the most active assumable listings are 86426 (1). 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 Fort Mohave?
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 Fort Mohave.The rate is already on the house.
Every listing on the Fort Mohave map has a rate you can take over. Start with the ones in Fort Mohave, get pre-qualified in minutes, and let UMe carry the assumption to closing.
