FHA
Active
38$349,999$17,161 down
- Rate
- 4.50%
6.95%today- Payment
- $1,736/mo
$2,268today
- 4beds
- 2baths
- 1,562sqft
Marana, Arizona
Assumable homes for salein Marana, Arizona.
4 homes in Marana carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 3.70%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Marana assumable market
by the numbers.
4active assumable listings
3.70%lowest locked rate
$365kmedian list price
$664saved per month vs. 7.2%
About the market
Assumable mortgagesin Marana, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Marana. Updated September 2026.
How assumptions work for buyersMarana, Arizona has 4 homes for sale with an assumable mortgage as of September 2026: 4 FHA 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 Marana assumable listings start at 3.70% with a median of 4.50%; 1 listing is under 4% and 3 are under 5%.
The median assumable home in Marana lists for $365,500, with a median of $19,676 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 $1,736 a month versus $2,401 for the same balance at today's rate, roughly $664 kept every month and $7,973 a year. The most active Marana ZIP codes are 85653 (3) and 85658 (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 Marana assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Marana
View all 4 on the map Homes on the marketin Marana.
FHA
Active
39$349,999$17,161 down
- Rate
- 4.50%
6.95%today- Payment
- $1,736/mo
$2,268today
- 4beds
- 2baths
- 1,562sqft
11985 Rodeo Trail, Marana
VA
Active
12$295,000$92,384 down
- Rate
- 3.82%
6.95%today- Payment
- $1,104/mo
$1,565today
- 6beds
- 4baths
- 3,405sqft
34360 MINER Road, Red Rock
FHA
Active
36$450,000$315,531 down
- Rate
- 3.70%
6.95%today- Payment
- $827/mo
$1,189today
- 4beds
- 2baths
- 2,338sqft
11322 SMOOTH PUMICE Street, Marana
FHA
Active
51$385,000$333,213 down
- Rate
- 3.82%
6.95%today- Payment
- $281/mo
$398today
- 4beds
- 2baths
- 1,850sqft
6301 YEW PINE Way, Tucson
FHA
Active
7$381,000Potential short sale
- Rate
- 6.65%
6.95%today- Payment
- $2,685/mo
$2,768today
- 4beds
- 2baths
- 1,815sqft
9284 Huisache Trail, Marana
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 Marana.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 4
- UMe Certified / verified
- 0
- Lowest rate
- 3.70%
- Median rate
- 4.50%
- Median list price
- $365,500
- Median cash to assume
- $19,676
Marana listings by locked rate
- Under 4%1 home
- 4% – 5%2 homes
- 5% – 6%0 homes
- 6% and up1 home
Marana listings by loan type
- FHA4 homesmedian 4.50%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Marana ZIP code.
Each ZIP opens the Marana map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Marana numbers
What an assumable ratedoes to a Marana payment.
The sliders start at the median Marana assumable listing: $365,500 list price and a 4.50% 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)$20,000
5% 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 Marana
$1,878/mo
New loan at 7.20%$2,342
Assumed at 4.50%
$1,878
Every month$464
Over five years$27,838
Interest you never pay$257,16626-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 Marana listing on UMe shows the actual balance, rate, and payment.
How it works in Marana
How to assumea mortgage in Marana.
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 Marana home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Marana 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 $19,676 in Marana 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 Marana payment written in a different decade.
Marana questions
Assuming a mortgagein Marana.
The numbers below come from current Marana inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Marana?
As of September 2026, UMe tracks 4 active assumable listings in Marana. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Marana?
Current Marana inventory breaks down as FHA (4, median 4.50%). 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 Marana?
The lowest rate on an active Marana assumable listing is 3.70%, and the median across all 4 listings is 4.50%. 1 listing is under 4% and 3 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 Marana?
Across current Marana listings, the median principal-and-interest payment on the assumable loan is $1,736 per month versus $2,401 for the same balance at today's rates, a difference of about $664 every month, or $7,973 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 Marana?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Marana that gap is currently a median of $19,676 on a median list price of $365,500. 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 Marana ZIP codes have the most assumable homes?
The Marana ZIP codes with the most active assumable listings are 85653 (3) and 85658 (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 Marana?
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 Marana.The rate is already on the house.
Every listing on the Marana map has a rate you can take over. Start with the ones in Marana, get pre-qualified in minutes, and let UMe carry the assumption to closing.
