VA
Active
56$949,000$349,108 down
- Rate
- 2.88%
6.95%today- Payment
- $2,770/mo
$4,416today
- 4beds
- 3baths
- 3,576sqft
Munds Park, Arizona
Assumable homes for salein Munds Park, Arizona.
3 homes in Munds Park 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
Munds Park assumable market
by the numbers.
3active assumable listings
3.70%lowest locked rate
$565kmedian list price
$747saved per month vs. 7.2%
About the market
Assumable mortgagesin Munds Park, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Munds Park. Updated September 2026.
How assumptions work for buyersMunds Park, Arizona has 3 homes for sale with an assumable mortgage as of September 2026: 3 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 Munds Park assumable listings start at 3.70% with a median of 3.70%; 2 listings are under 4% and 2 are under 5%.
The median assumable home in Munds Park lists for $565,000, with a median of $378,145 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 $1,604 a month versus $2,352 for the same balance at today's rate, roughly $747 kept every month and $8,966 a year. The most active Munds Park ZIP codes are 86017 (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 Munds Park assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Munds Park
View all 3 on the map Homes on the marketin Munds Park.
FHA
Active
32$450,000$273,570 down
- Rate
- 2.68%
6.95%today- Payment
- $819/mo
$1,340today
- 3beds
- 2baths
- —sqft
2449 Blue Gap Ovi, Flagstaff
VA
Active
38$599,900$281,647 down
- Rate
- 2.90%
6.95%today- Payment
- $1,489/mo
$2,369today
- 3beds
- 2baths
- 1,747sqft
55 Cathedral Rock Drive #11, Sedona
VA
Active
9$649,900$438,836 down
- Rate
- 3.02%
6.95%today- Payment
- $1,026/mo
$1,607today
- 2beds
- 2baths
- 1,730sqft
40 Bell Rock Boulevard, Sedona
FHA
Active
25$629,000$424,095 down
- Rate
- 3.47%
6.95%today- Payment
- $1,168/mo
$1,729today
- 3beds
- 2baths
- 1,650sqft
60 Horse Canyon Drive, Sedona
VA
Active
44$459,000$326,887 down
- Rate
- 3.57%
6.95%today- Payment
- $769/mo
$1,123today
- 1beds
- 1baths
- 1,152sqft
127 LAKEVIEW Court, Mormon Lake
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 Munds Park.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 3
- UMe Certified / verified
- 0
- Lowest rate
- 3.70%
- Median rate
- 3.70%
- Median list price
- $565,000
- Median cash to assume
- $378,145
Munds Park listings by locked rate
- Under 4%2 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Munds Park listings by loan type
- FHA3 homesmedian 3.70%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Munds Park ZIP code.
Each ZIP opens the Munds Park map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Munds Park numbers
What an assumable ratedoes to a Munds Park payment.
The sliders start at the median Munds Park assumable listing: $565,000 list price and a 3.70% 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)$380,000
67% 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 Munds Park
$924/mo
New loan at 7.20%$1,256
Assumed at 3.70%
$924
Every month$332
Over five years$19,903
Interest you never pay$163,77226-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 Munds Park listing on UMe shows the actual balance, rate, and payment.
How it works in Munds Park
How to assumea mortgage in Munds Park.
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 Munds Park home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Munds Park 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 $378,145 in Munds Park 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 Munds Park payment written in a different decade.
Munds Park questions
Assuming a mortgagein Munds Park.
The numbers below come from current Munds Park inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Munds Park?
As of September 2026, UMe tracks 3 active assumable listings in Munds Park. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Munds Park?
Current Munds Park inventory breaks down as FHA (3, median 3.70%). 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 Munds Park?
The lowest rate on an active Munds Park assumable listing is 3.70%, and the median across all 3 listings is 3.70%. 2 listings are under 4% and 2 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 Munds Park?
Across current Munds Park listings, the median principal-and-interest payment on the assumable loan is $1,604 per month versus $2,352 for the same balance at today's rates, a difference of about $747 every month, or $8,966 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 Munds Park?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Munds Park that gap is currently a median of $378,145 on a median list price of $565,000. 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 Munds Park ZIP codes have the most assumable homes?
The Munds Park ZIP codes with the most active assumable listings are 86017 (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 Munds Park?
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 Munds Park.The rate is already on the house.
Every listing on the Munds Park map has a rate you can take over. Start with the ones in Munds Park, get pre-qualified in minutes, and let UMe carry the assumption to closing.
