VA
Active
44$260,000$127,611 down
- Rate
- 4.35%
6.95%today- Payment
- $1,036/mo
$1,377today
- 3beds
- 2baths
- 1,367sqft
Tombstone, Arizona
Assumable homes for salein Tombstone, Arizona.
2 homes in Tombstone carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 4.35%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Tombstone assumable market
by the numbers.
2active assumable listings
4.35%lowest locked rate
$279kmedian list price
$327saved per month vs. 7.2%
About the market
Assumable mortgagesin Tombstone, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Tombstone. Updated August 2026.
How assumptions work for buyersTombstone, Arizona has 2 homes for sale with an assumable mortgage as of August 2026: 2 VA 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 Tombstone assumable listings start at 4.35% with a median of 5.29%; 0 listings are under 4% and 1 is under 5%.
The median assumable home in Tombstone lists for $278,750, with a median of $78,887 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 $1,335 a month versus $1,661 for the same balance at today's rate, roughly $327 kept every month and $3,918 a year. The most active Tombstone ZIP codes are 85638 (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 Tombstone assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Tombstone
View all 2 on the map Homes on the marketin Tombstone.
VA
Active
42$297,500$32,075 down
- Rate
- 6.22%
6.95%today- Payment
- $1,634/mo
$1,762today
- 3beds
- 2baths
- 1,716sqft
108 15TH Street, Tombstone
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 Tombstone.
Live counts from the MLS feeds we index for Arizona. Updated August 2026.
- Active listings
- 2
- UMe Certified / verified
- 0
- Lowest rate
- 4.35%
- Median rate
- 5.29%
- Median list price
- $278,750
- Median cash to assume
- $78,887
Tombstone listings by locked rate
- Under 4%0 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up1 home
Tombstone listings by loan type
- VA2 homesmedian 5.29%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Tombstone ZIP code.
Each ZIP opens the Tombstone map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Tombstone numbers
What an assumable ratedoes to a Tombstone payment.
The sliders start at the median Tombstone assumable listing: $278,750 list price and a 5.29% 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)$80,000
29% 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 Tombstone
$1,182/mo
New loan at 7.20%$1,358
Assumed at 5.30%
$1,182
Every month$175
Over five years$10,519
Interest you never pay$119,86026-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 Tombstone listing on UMe shows the actual balance, rate, and payment.
How it works in Tombstone
How to assumea mortgage in Tombstone.
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 Tombstone home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Tombstone 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 $78,887 in Tombstone 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 Tombstone payment written in a different decade.
Tombstone questions
Assuming a mortgagein Tombstone.
The numbers below come from current Tombstone inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Tombstone?
As of August 2026, UMe tracks 2 active assumable listings in Tombstone. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Tombstone?
Current Tombstone inventory breaks down as VA (2, median 5.29%). 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 Tombstone?
The lowest rate on an active Tombstone assumable listing is 4.35%, and the median across all 2 listings is 5.29%. 0 listings are 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 Tombstone?
Across current Tombstone listings, the median principal-and-interest payment on the assumable loan is $1,335 per month versus $1,661 for the same balance at today's rates, a difference of about $327 every month, or $3,918 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 Tombstone?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Tombstone that gap is currently a median of $78,887 on a median list price of $278,750. 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 Tombstone ZIP codes have the most assumable homes?
The Tombstone ZIP codes with the most active assumable listings are 85638 (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 Tombstone?
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 Tombstone.The rate is already on the house.
Every listing on the Tombstone map has a rate you can take over. Start with the ones in Tombstone, get pre-qualified in minutes, and let UMe carry the assumption to closing.
