VA
Active
11$409,999$89,296 down
- Rate
- 2.50%
6.95%today- Payment
- $1,442/mo
$2,416today
- 3beds
- 2baths
- 1,931sqft
Glendale, Arizona
Assumable homes for salein Glendale, Arizona.
98 homes in Glendale carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.50%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Glendale assumable market
by the numbers.
98active assumable listings
2.50%lowest locked rate
$425kmedian list price
$669saved per month vs. 7.2%
About the market
Assumable mortgagesin Glendale, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Glendale. Updated September 2026.
How assumptions work for buyersGlendale, Arizona has 98 homes for sale with an assumable mortgage as of September 2026: 69 FHA loans and 28 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 Glendale assumable listings start at 2.50% with a median of 5.52%; 38 listings are under 4% and 44 are under 5%.
The median assumable home in Glendale lists for $425,000, with a median of $119,595 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 $1,505 a month versus $2,173 for the same balance at today's rate, roughly $669 kept every month and $8,024 a year. The most active Glendale ZIP codes are 85302 (18), 85308 (18), 85301 (14), 85304 (12), and 85310 (9).
2 listings in Glendale are UMe Certified, meaning the balance, rate, and assumability have been confirmed with the listing agent. 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 Glendale assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Glendale
View all 98 on the map Homes on the marketin Glendale.
Active
56$1,175,000$774,086 down
- Rate
- 2.50%
6.95%today- Payment
- $1,807/mo
$3,028today
- 4beds
- 4baths
- 3,528sqft
5949 PINNACLE HILL Drive, Glendale
Active
33$424,900Potential short sale
- Rate
- 4.99%
6.95%today- Payment
- $2,316/mo
$2,859today
- 4beds
- 2baths
- 1,604sqft
7429 76TH Lane, Laveen
Active
17$389,000$25,105 down
- Rate
- 5.625%
6.95%today- Payment
- $2,148/mo
$2,470today
- 4beds
- 2baths
- 1,666sqft
6817 DESERT Lane, Laveen
FHATop pick
Active
25$299,000$9,805 down
- Rate
- 2.84%
6.95%today- Payment
- $1,338/mo
$2,145today
- 3beds
- 3baths
- 1,744sqft
7051 LINCOLN Street, Peoria
FHATop pick
Active
26$279,900Potential short sale
- Rate
- 3.07%
6.95%today- Payment
- $1,441/mo
$2,242today
- 4beds
- 2baths
- 1,288sqft
2830 48TH Lane, Phoenix
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 Glendale.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 98
- UMe Certified / verified
- 2
- Lowest rate
- 2.50%
- Median rate
- 5.52%
- Median list price
- $425,000
- Median cash to assume
- $119,595
Glendale listings by locked rate
- Under 4%38 homes
- 4% – 5%6 homes
- 5% – 6%11 homes
- 6% and up42 homes
Glendale listings by loan type
- FHA69 homesmedian 5.72%
- VA28 homesmedian 4.05%
- Other1 homemedian 2.50%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Glendale ZIP code.
Each ZIP opens the Glendale map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
- 85302
18 assumable homes
median 5.52% · $354,950
- 85308
18 assumable homes
median 4.15% · $439,950
- 85301
14 assumable homes
median 5.22% · $263,750
- 85304
12 assumable homes
median 6.14% · $484,000
- 85310
9 assumable homes
median 6.58% · $625,000
- 85306
8 assumable homes
median 3.52% · $365,000
- 85303
7 assumable homes
median 4.91% · $399,000
- 85307
7 assumable homes
median 3.05% · $439,000
Run the Glendale numbers
What an assumable ratedoes to a Glendale payment.
The sliders start at the median Glendale assumable listing: $425,000 list price and a 5.52% 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)$120,000
28% 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 Glendale
$1,840/mo
New loan at 7.20%$2,070
Assumed at 5.50%
$1,840
Every month$231
Over five years$13,843
Interest you never pay$171,35826-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 Glendale listing on UMe shows the actual balance, rate, and payment.
How it works in Glendale
How to assumea mortgage in Glendale.
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 Glendale home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Glendale 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 $119,595 in Glendale 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 Glendale payment written in a different decade.
Glendale questions
Assuming a mortgagein Glendale.
The numbers below come from current Glendale inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Glendale?
As of September 2026, UMe tracks 98 active assumable listings in Glendale. 2 of them are UMe Certified, meaning the loan balance, rate, and assumability have been confirmed with the listing agent. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Glendale?
Current Glendale inventory breaks down as FHA (69, median 5.72%), VA (28, median 4.05%), and Other (1, median 2.50%). 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 Glendale?
The lowest rate on an active Glendale assumable listing is 2.50%, and the median across all 98 listings is 5.52%. 38 listings are under 4% and 44 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 Glendale?
Across current Glendale listings, the median principal-and-interest payment on the assumable loan is $1,505 per month versus $2,173 for the same balance at today's rates, a difference of about $669 every month, or $8,024 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 Glendale?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Glendale that gap is currently a median of $119,595 on a median list price of $425,000. 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 Glendale ZIP codes have the most assumable homes?
The Glendale ZIP codes with the most active assumable listings are 85302 (18), 85308 (18), 85301 (14), 85304 (12), and 85310 (9). 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 Glendale?
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 Glendale.The rate is already on the house.
Every listing on the Glendale map has a rate you can take over. Start with the ones in Glendale, get pre-qualified in minutes, and let UMe carry the assumption to closing.
