VA
Active
56$949,000$349,108 down
- Rate
- 2.88%
6.95%today- Payment
- $2,770/mo
$4,416today
- 4beds
- 3baths
- 3,576sqft
Sedona, Arizona
Assumable homes for salein Sedona, Arizona.
11 homes in Sedona carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.88%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Sedona assumable market
by the numbers.
11active assumable listings
2.88%lowest locked rate
$899kmedian list price
$702saved per month vs. 7.2%
About the market
Assumable mortgagesin Sedona, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Sedona. Updated September 2026.
How assumptions work for buyersSedona, Arizona has 11 homes for sale with an assumable mortgage as of September 2026: 9 VA loans and 2 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 Sedona assumable listings start at 2.88% with a median of 4.10%; 5 listings are under 4% and 6 are under 5%.
The median assumable home in Sedona lists for $899,000, with a median of $438,343 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 $2,770 a month versus $3,471 for the same balance at today's rate, roughly $702 kept every month and $8,418 a year. The most active Sedona ZIP codes are 86336 (6) and 86351 (5).
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 Sedona assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Sedona
View all 11 on the map Homes on the marketin Sedona.
VA
Active
44$375,000$222,715 down
- Rate
- 2.81%
6.95%today- Payment
- $712/mo
$1,146today
- 1beds
- 1baths
- 998sqft
10145 DEES Lane, Cornville
FHA
Active
40$525,000$322,943 down
- Rate
- 2.89%
6.95%today- Payment
- $964/mo
$1,536today
- 3beds
- 2baths
- 1,414sqft
2495 SEXTON RANCH Road, Cornville
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
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 Sedona.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 11
- UMe Certified / verified
- 0
- Lowest rate
- 2.88%
- Median rate
- 4.10%
- Median list price
- $899,000
- Median cash to assume
- $438,343
Sedona listings by locked rate
- Under 4%5 homes
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up4 homes
Sedona listings by loan type
- VA9 homesmedian 4.10%
- FHA2 homesmedian 5.19%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Sedona ZIP code.
Each ZIP opens the Sedona map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Sedona numbers
What an assumable ratedoes to a Sedona payment.
The sliders start at the median Sedona assumable listing: $899,000 list price and a 4.10% 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)$440,000
49% 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 Sedona
$2,400/mo
New loan at 7.20%$3,122
Assumed at 4.10%
$2,400
Every month$723
Over five years$43,374
Interest you never pay$375,42126-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 Sedona listing on UMe shows the actual balance, rate, and payment.
How it works in Sedona
How to assumea mortgage in Sedona.
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 Sedona home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Sedona 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 $438,343 in Sedona 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 Sedona payment written in a different decade.
Sedona questions
Assuming a mortgagein Sedona.
The numbers below come from current Sedona inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Sedona?
As of September 2026, UMe tracks 11 active assumable listings in Sedona. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Sedona?
Current Sedona inventory breaks down as VA (9, median 4.10%) and FHA (2, median 5.19%). 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 Sedona?
The lowest rate on an active Sedona assumable listing is 2.88%, and the median across all 11 listings is 4.10%. 5 listings are under 4% and 6 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 Sedona?
Across current Sedona listings, the median principal-and-interest payment on the assumable loan is $2,770 per month versus $3,471 for the same balance at today's rates, a difference of about $702 every month, or $8,418 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 Sedona?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Sedona that gap is currently a median of $438,343 on a median list price of $899,000. 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 Sedona ZIP codes have the most assumable homes?
The Sedona ZIP codes with the most active assumable listings are 86336 (6) and 86351 (5). 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 Sedona?
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 Sedona.The rate is already on the house.
Every listing on the Sedona map has a rate you can take over. Start with the ones in Sedona, get pre-qualified in minutes, and let UMe carry the assumption to closing.
