Active
33$424,900Potential short sale
- Rate
- 4.99%
6.95%today- Payment
- $2,316/mo
$2,859today
- 4beds
- 2baths
- 1,604sqft
Laveen, Arizona
Assumable homes for salein Laveen, Arizona.
48 homes in Laveen carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.84%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Laveen assumable market
by the numbers.
48active assumable listings
2.84%lowest locked rate
$449kmedian list price
$404saved per month vs. 7.2%
About the market
Assumable mortgagesin Laveen, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Laveen. Updated September 2026.
How assumptions work for buyersLaveen, Arizona has 48 homes for sale with an assumable mortgage as of September 2026: 36 FHA loans and 10 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 Laveen assumable listings start at 2.84% with a median of 6.39%; 10 listings are under 4% and 12 are under 5%.
The median assumable home in Laveen lists for $449,000, with a median of $54,101 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 $2,487 a month versus $2,891 for the same balance at today's rate, roughly $404 kept every month and $4,843 a year. The most active Laveen ZIP codes are 85339 (48).
3 listings in Laveen 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 Laveen assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Laveen
View all 48 on the map Homes on the marketin 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
FHA
Active
38$579,000$46,539 down
- Rate
- 5.75%
6.95%today- Payment
- $3,155/mo
$3,579today
- 3beds
- 3baths
- 2,615sqft
4950 WEEPING WILLOW Way, Laveen
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
VATop pick
Active
52$159,900$5,435 down
- Rate
- 3.07%
6.95%today- Payment
- $732/mo
$1,139today
- 1beds
- 1baths
- 576sqft
3033 DEVONSHIRE Avenue #3003, Phoenix
VATop pick
Active
23$295,500Potential short sale
- Rate
- 3.10%
6.95%today- Payment
- $1,424/mo
$2,208today
- 3beds
- 3baths
- 1,534sqft
1523 81ST Drive, 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 Laveen.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 48
- UMe Certified / verified
- 3
- Lowest rate
- 2.84%
- Median rate
- 6.39%
- Median list price
- $449,000
- Median cash to assume
- $54,101
Laveen listings by locked rate
- Under 4%10 homes
- 4% – 5%2 homes
- 5% – 6%3 homes
- 6% and up32 homes
Laveen listings by loan type
- FHA36 homesmedian 6.39%
- VA10 homesmedian 6.57%
- Other2 homesmedian 5.31%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Laveen ZIP code.
Each ZIP opens the Laveen map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Laveen numbers
What an assumable ratedoes to a Laveen payment.
The sliders start at the median Laveen assumable listing: $449,000 list price and a 6.39% 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)$55,000
12% 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 Laveen
$2,602/mo
New loan at 7.20%$2,681
Assumed at 6.40%
$2,602
Every month$80
Over five years$4,781
Interest you never pay$153,56026-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 Laveen listing on UMe shows the actual balance, rate, and payment.
How it works in Laveen
How to assumea mortgage in Laveen.
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 Laveen home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Laveen 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 $54,101 in Laveen 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 Laveen payment written in a different decade.
Laveen questions
Assuming a mortgagein Laveen.
The numbers below come from current Laveen inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Laveen?
As of September 2026, UMe tracks 48 active assumable listings in Laveen. 3 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 Laveen?
Current Laveen inventory breaks down as FHA (36, median 6.39%), VA (10, median 6.57%), and Other (2, median 5.31%). 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 Laveen?
The lowest rate on an active Laveen assumable listing is 2.84%, and the median across all 48 listings is 6.39%. 10 listings are under 4% and 12 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 Laveen?
Across current Laveen listings, the median principal-and-interest payment on the assumable loan is $2,487 per month versus $2,891 for the same balance at today's rates, a difference of about $404 every month, or $4,843 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 Laveen?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Laveen that gap is currently a median of $54,101 on a median list price of $449,000. 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 Laveen ZIP codes have the most assumable homes?
The Laveen ZIP codes with the most active assumable listings are 85339 (48). 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 Laveen?
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 Laveen.The rate is already on the house.
Every listing on the Laveen map has a rate you can take over. Start with the ones in Laveen, get pre-qualified in minutes, and let UMe carry the assumption to closing.
