FHA
Active
90$649,900$464,462 down
- Rate
- 2.60%
6.95%today- Payment
- $1,032/mo
$1,600today
- 4beds
- 3baths
- 3,275sqft
Thatcher, Arizona
Assumable homes for salein Thatcher, Arizona.
2 homes in Thatcher carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.60%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Thatcher assumable market
by the numbers.
2active assumable listings
2.60%lowest locked rate
$505kmedian list price
$328saved per month vs. 7.2%
About the market
Assumable mortgagesin Thatcher, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Thatcher. Updated September 2026.
How assumptions work for buyersThatcher, Arizona has 2 homes for sale with an assumable mortgage as of September 2026: 1 FHA loan and 1 VA loan 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 Thatcher assumable listings start at 2.60% with a median of 5.05%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Thatcher lists for $504,950, with a median of $261,805 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 $1,587 a month versus $1,915 for the same balance at today's rate, roughly $328 kept every month and $3,936 a year. The most active Thatcher ZIP codes are 85552 (2).
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 Thatcher assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Thatcher
View all 2 on the map Homes on the marketin Thatcher.
VA
Active
24$360,000$61,303 down
- Rate
- 7.50%
6.95%today- Payment
- $2,143/mo
$2,029today
- 4beds
- 2baths
- 1,640sqft
1826 PORTER Lane, Thatcher
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 Thatcher.
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 2.60%
- Median rate
- 5.05%
- Median list price
- $504,950
- Median cash to assume
- $261,805
Thatcher listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up1 home
Thatcher listings by loan type
- FHA1 homemedian 2.60%
- VA1 homemedian 7.50%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Thatcher ZIP code.
Each ZIP opens the Thatcher map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Thatcher numbers
What an assumable ratedoes to a Thatcher payment.
The sliders start at the median Thatcher assumable listing: $504,950 list price and a 5.05% 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)$260,000
51% 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 Thatcher
$1,412/mo
New loan at 7.20%$1,663
Assumed at 5.05%
$1,412
Every month$251
Over five years$15,067
Interest you never pay$158,17526-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 Thatcher listing on UMe shows the actual balance, rate, and payment.
How it works in Thatcher
How to assumea mortgage in Thatcher.
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 Thatcher home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Thatcher 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 $261,805 in Thatcher 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 Thatcher payment written in a different decade.
Thatcher questions
Assuming a mortgagein Thatcher.
The numbers below come from current Thatcher inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Thatcher?
As of September 2026, UMe tracks 2 active assumable listings in Thatcher. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Thatcher?
Current Thatcher inventory breaks down as FHA (1, median 2.60%) and VA (1, median 7.50%). 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 Thatcher?
The lowest rate on an active Thatcher assumable listing is 2.60%, and the median across all 2 listings is 5.05%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Thatcher?
Across current Thatcher listings, the median principal-and-interest payment on the assumable loan is $1,587 per month versus $1,915 for the same balance at today's rates, a difference of about $328 every month, or $3,936 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 Thatcher?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Thatcher that gap is currently a median of $261,805 on a median list price of $504,950. 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 Thatcher ZIP codes have the most assumable homes?
The Thatcher ZIP codes with the most active assumable listings are 85552 (2). 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 Thatcher?
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 Thatcher.The rate is already on the house.
Every listing on the Thatcher map has a rate you can take over. Start with the ones in Thatcher, get pre-qualified in minutes, and let UMe carry the assumption to closing.
