VA
Active
37$450,000$76,049 down
- Rate
- 2.90%
6.95%today- Payment
- $1,742/mo
$2,771today
- 3beds
- 2baths
- 1,637sqft
Mayer, Arizona
Assumable homes for salein Mayer, Arizona.
8 homes in Mayer carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 5.22%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Mayer assumable market
by the numbers.
8active assumable listings
5.22%lowest locked rate
$267kmedian list price
$37saved per month vs. 7.2%
About the market
Assumable mortgagesin Mayer, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Mayer. Updated September 2026.
How assumptions work for buyersMayer, Arizona has 8 homes for sale with an assumable mortgage as of September 2026: 8 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 Mayer assumable listings start at 5.22% with a median of 6.26%; 0 listings are under 4% and 0 are under 5%.
The median assumable home in Mayer lists for $267,000, with a median of $99,854 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 $733 a month versus $770 for the same balance at today's rate, roughly $37 kept every month and $439 a year. The most active Mayer ZIP codes are 86333 (8).
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 Mayer assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Mayer
View all 8 on the map Homes on the marketin Mayer.
VA
Active
21$445,000$158,269 down
- Rate
- 3.23%
6.95%today- Payment
- $1,432/mo
$2,184today
- 3beds
- 2baths
- 1,695sqft
12933 Toro Street, Dewey
VA
Active
20$445,000$158,269 down
- Rate
- 3.23%
6.95%today- Payment
- $1,432/mo
$2,184today
- 3beds
- 2baths
- 1,695sqft
12933 Toro Street, Dewey-Humboldt
VA
Active
86$749,900$335,191 down
- Rate
- 2.25%
6.95%today- Payment
- $1,846/mo
$3,196today
- 6beds
- 4baths
- 2,956sqft
1375 Rabbit Ridge Road, Dewey-Humboldt
VA
Active
47$750,000$315,249 down
- Rate
- 2.81%
6.95%today- Payment
- $2,057/mo
$3,310today
- 3beds
- 3baths
- 2,768sqft
15565 Devon Mont Lane, Dewey-Humboldt
VA
Active
46$599,999$258,939 down
- Rate
- 3.16%
6.95%today- Payment
- $1,691/mo
$2,601today
- 4beds
- 2baths
- 3,106sqft
1750 LAVENDER SAGE Road, Dewey
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 Mayer.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 8
- UMe Certified / verified
- 0
- Lowest rate
- 5.22%
- Median rate
- 6.26%
- Median list price
- $267,000
- Median cash to assume
- $99,854
Mayer listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%2 homes
- 6% and up5 homes
Mayer listings by loan type
- FHA8 homesmedian 6.26%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Mayer ZIP code.
Each ZIP opens the Mayer map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Mayer numbers
What an assumable ratedoes to a Mayer payment.
The sliders start at the median Mayer assumable listing: $267,000 list price and a 6.26% 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)$100,000
38% 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 Mayer
$1,071/mo
New loan at 7.20%$1,120
Assumed at 6.25%
$1,071
Every month$49
Over five years$2,928
Interest you never pay$68,98626-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 Mayer listing on UMe shows the actual balance, rate, and payment.
How it works in Mayer
How to assumea mortgage in Mayer.
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 Mayer home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Mayer 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 $99,854 in Mayer 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 Mayer payment written in a different decade.
Mayer questions
Assuming a mortgagein Mayer.
The numbers below come from current Mayer inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Mayer?
As of September 2026, UMe tracks 8 active assumable listings in Mayer. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Mayer?
Current Mayer inventory breaks down as FHA (8, median 6.26%). 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 Mayer?
The lowest rate on an active Mayer assumable listing is 5.22%, and the median across all 8 listings is 6.26%. 0 listings are under 4% and 0 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 Mayer?
Across current Mayer listings, the median principal-and-interest payment on the assumable loan is $733 per month versus $770 for the same balance at today's rates, a difference of about $37 every month, or $439 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 Mayer?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Mayer that gap is currently a median of $99,854 on a median list price of $267,000. 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 Mayer ZIP codes have the most assumable homes?
The Mayer ZIP codes with the most active assumable listings are 86333 (8). 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 Mayer?
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 Mayer.The rate is already on the house.
Every listing on the Mayer map has a rate you can take over. Start with the ones in Mayer, get pre-qualified in minutes, and let UMe carry the assumption to closing.
