FHA
Active
31$299,900$162,863 down
- Rate
- 2.81%
6.95%today- Payment
- $642/mo
$1,033today
- 3beds
- 2baths
- 1,281sqft
Lakeside, Arizona
Assumable homes for salein Lakeside, Arizona.
3 homes in Lakeside carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.51%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Lakeside assumable market
by the numbers.
3active assumable listings
3.51%lowest locked rate
$510kmedian list price
$593saved per month vs. 7.2%
About the market
Assumable mortgagesin Lakeside, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Lakeside. Updated September 2026.
How assumptions work for buyersLakeside, Arizona has 3 homes for sale with an assumable mortgage as of September 2026: 2 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 Lakeside assumable listings start at 3.51% with a median of 5.41%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Lakeside lists for $510,000, with a median of $120,092 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 $2,406 a month versus $2,999 for the same balance at today's rate, roughly $593 kept every month and $7,110 a year. The most active Lakeside ZIP codes are 85929 (3).
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 Lakeside assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Lakeside
View all 3 on the map Homes on the marketin Lakeside.
FHA
Active
24$149,000$96,454 down
- Rate
- 2.93%
6.95%today- Payment
- $246/mo
$390today
- 1beds
- 1baths
- 673sqft
640 43RD Avenue, Show Low
VA
Active
51$1,070,000$443,877 down
- Rate
- 3.51%
6.95%today- Payment
- $3,087/mo
$4,545today
- 5beds
- 4baths
- 3,519sqft
6019 RIM Road, Lakeside
VA
Active
50$539,900$41,912 down
- Rate
- 6.26%
6.95%today- Payment
- $3,090/mo
$3,319today
- 3beds
- 2baths
- 2,177sqft
7082 TUMBLEWEED Trail, Show Low
VA
Active
70$399,900$21,268 down
- Rate
- 6.50%
6.95%today- Payment
- $2,435/mo
$2,550today
- 3beds
- 2baths
- 1,668sqft
601 MILLS --, Show Low
FHA
Active
10$309,000$30,772 down
- Rate
- 6.50%
6.95%today- Payment
- $1,775/mo
$1,859today
- 3beds
- 2baths
- 1,200sqft
2716 OWENS Street, Show Low
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 Lakeside.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 3
- UMe Certified / verified
- 0
- Lowest rate
- 3.51%
- Median rate
- 5.41%
- Median list price
- $510,000
- Median cash to assume
- $120,092
Lakeside listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up1 home
Lakeside listings by loan type
- VA2 homesmedian 5.05%
- FHA1 homemedian 5.41%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Lakeside ZIP code.
Each ZIP opens the Lakeside map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Lakeside numbers
What an assumable ratedoes to a Lakeside payment.
The sliders start at the median Lakeside assumable listing: $510,000 list price and a 5.41% 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
24% 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 Lakeside
$2,329/mo
New loan at 7.20%$2,647
Assumed at 5.40%
$2,329
Every month$318
Over five years$19,109
Interest you never pay$226,43826-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 Lakeside listing on UMe shows the actual balance, rate, and payment.
How it works in Lakeside
How to assumea mortgage in Lakeside.
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 Lakeside home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Lakeside 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 $120,092 in Lakeside 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 Lakeside payment written in a different decade.
Lakeside questions
Assuming a mortgagein Lakeside.
The numbers below come from current Lakeside inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Lakeside?
As of September 2026, UMe tracks 3 active assumable listings in Lakeside. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Lakeside?
Current Lakeside inventory breaks down as VA (2, median 5.05%) and FHA (1, median 5.41%). 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 Lakeside?
The lowest rate on an active Lakeside assumable listing is 3.51%, and the median across all 3 listings is 5.41%. 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 Lakeside?
Across current Lakeside listings, the median principal-and-interest payment on the assumable loan is $2,406 per month versus $2,999 for the same balance at today's rates, a difference of about $593 every month, or $7,110 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 Lakeside?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Lakeside that gap is currently a median of $120,092 on a median list price of $510,000. 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 Lakeside ZIP codes have the most assumable homes?
The Lakeside ZIP codes with the most active assumable listings are 85929 (3). 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 Lakeside?
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 Lakeside.The rate is already on the house.
Every listing on the Lakeside map has a rate you can take over. Start with the ones in Lakeside, get pre-qualified in minutes, and let UMe carry the assumption to closing.
