Thoi Truong

Thoi Truong

(602) 386-9866

Assumable homes for sale in Surprise, AZ

31 homesFHA & VA loansrates from 2.12% vs 6.95% today

Surprise assumption guide
18031 UDALL Drive, Surprise, AZ, 85374 — assumable FHA mortgage at 2.87%
FHA
Active
30
$327,900$39,857 down
Rate
2.87%
6.95%today
Payment
$1,343/mo
$2,145today
  • 1beds
  • 2baths
  • 1,270sqft

18031 UDALL Drive, Surprise

16176 STATLER Street, Surprise, AZ, 85374 — assumable VA mortgage at 3.10%
VA
Active
33
$450,000$89,045 down
Rate
3.10%
6.95%today
Payment
$1,708/mo
$2,648today
  • 6beds
  • 3baths
  • 2,166sqft

16176 STATLER Street, Surprise

17611 CALAVAR Road, Surprise, AZ, 85388 — assumable FHA mortgage at 3.45%
FHA
Active
37
$429,000$36,177 down
Rate
3.45%
6.95%today
Payment
$1,928/mo
$2,860today
  • 5beds
  • 3baths
  • 2,425sqft

17611 CALAVAR Road, Surprise

16910 RIMROCK Street, Surprise, AZ, 85388 — assumable VA mortgage at 3.02%
VA
Active
23
$439,990$147,542 down
Rate
3.02%
6.95%today
Payment
$1,425/mo
$2,232today
  • 4beds
  • 3baths
  • 2,426sqft

16910 RIMROCK Street, Surprise

17210 ELM Street, Surprise, AZ, 85388 — assumable VA mortgage at 2.12%
VA
Active
35
$449,500$271,456 down
Rate
2.12%
6.95%today
Payment
$1,636/mo
$2,258today
  • 3beds
  • 2baths
  • 1,746sqft

17210 ELM Street, Surprise

16259 CORTEZ Street, Surprise, AZ, 85379 — assumable VA mortgage at 2.94%
VA
Active
27
$597,000$274,353 down
Rate
2.94%
6.95%today
Payment
$1,548/mo
$2,450today
  • 4beds
  • 3baths
  • 2,922sqft

16259 CORTEZ Street, Surprise

18069 RIMROCK Street, Surprise, AZ, 85388 — assumable VA mortgage at 2.98%
VA
Active
63
$519,900$286,162 down
Rate
2.98%
6.95%today
Payment
$1,106/mo
$1,741today
  • 3beds
  • 2baths
  • 2,273sqft

18069 RIMROCK Street, Surprise

17949 UDALL Drive, Surprise, AZ, 85374 — assumable VA mortgage at 3.12%
VA
Active
65
$573,000$246,889 down
Rate
3.12%
6.95%today
Payment
$1,543/mo
$2,386today
  • 2beds
  • 3baths
  • 2,363sqft

17949 UDALL Drive, Surprise

16433 MESCAL Street, Surprise, AZ, 85388 — assumable FHA mortgage at 5.22%
FHA
Active
44
$405,000Potential short sale
Rate
5.22%
6.95%today
Payment
$2,464/mo
$2,964today
  • 4beds
  • 2baths
  • 2,348sqft

16433 MESCAL Street, Surprise

16220 CROCUS Drive, Surprise, AZ, 85379 — assumable FHA mortgage at 3.45%
FHA
Active
54
$425,000$214,392 down
Rate
3.45%
6.95%today
Payment
$1,081/mo
$1,604today
  • 3beds
  • 2baths
  • 1,853sqft

16220 CROCUS Drive, Surprise

17271 SMOKEY Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 4.99%
FHA
Active
48
$410,000$35,998 down
Rate
4.99%
6.95%today
Payment
$2,135/mo
$2,636today
  • 3beds
  • 2baths
  • 1,640sqft

17271 SMOKEY Drive, Surprise

16845 TASHA Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 3.61%
FHA
Active
44
$405,000$182,760 down
Rate
3.61%
6.95%today
Payment
$1,176/mo
$1,709today
  • 4beds
  • 3baths
  • 2,255sqft

16845 TASHA Drive, Surprise

18049 IVY Lane, Surprise, AZ, 85388 — assumable FHA mortgage at 3.62%
FHA
Active
48
$599,900$446,426 down
Rate
3.62%
6.95%today
Payment
$1,042/mo
$1,514today
  • 6beds
  • 4baths
  • 3,297sqft

18049 IVY Lane, Surprise

16645 173RD Avenue, Surprise, AZ, 85388 — assumable VA mortgage at 3.78%
VA
Active
21
$550,000$423,864 down
Rate
3.78%
6.95%today
Payment
$877/mo
$1,248today
  • 5beds
  • 4baths
  • 3,565sqft

16645 173RD Avenue, Surprise

17732 MANDALAY Lane, Surprise, AZ, 85388 — assumable FHA mortgage at 3.96%
FHA
Active
45
$330,000$198,508 down
Rate
3.96%
6.95%today
Payment
$805/mo
$1,122today
  • 3beds
  • 3baths
  • 1,344sqft

17732 MANDALAY Lane, Surprise

12423 174TH Lane, Surprise, AZ, 85388 — assumable FHA mortgage at 5.30%
FHA
Active
32
$429,750$72,588 down
Rate
5.30%
6.95%today
Payment
$2,114/mo
$2,521today
  • 3beds
  • 2baths
  • 1,487sqft

12423 174TH Lane, Surprise

16574 COTTONWOOD Street, Surprise, AZ, 85388 — assumable VA mortgage at 4.17%
VA
Active
32
$354,999$181,009 down
Rate
4.17%
6.95%today
Payment
$1,045/mo
$1,420today
  • 4beds
  • 3baths
  • 1,969sqft

16574 COTTONWOOD Street, Surprise

14839 172ND Lane, Surprise, AZ, 85388 — assumable VA mortgage at 6.65%
VA
Active
29
$420,000$17,799 down
Rate
6.65%
6.95%today
Payment
$2,620/mo
$2,702today
  • 4beds
  • 2baths
  • 1,615sqft

14839 172ND Lane, Surprise

16322 171ST Drive, Surprise, AZ, 85388 — assumable VA mortgage at 6.81%
VA
Active
56
$499,999$14,718 down
Rate
6.81%
6.95%today
Payment
$3,198/mo
$3,244today
  • 4beds
  • 3baths
  • 2,839sqft

16322 171ST Drive, Surprise

11001 MCKINNEY Street, Surprise, AZ, 85388 — assumable VA mortgage at 5.25%
VA
Active
89
$1,399,000$305,791 down
Rate
5.25%
6.95%today
Payment
$6,058/mo
$7,262today
  • 2beds
  • 3baths
  • 2,657sqft

11001 MCKINNEY Street, Surprise

11257 169TH Lane, Surprise, AZ, 85388 — assumable FHA mortgage at 6.30%
FHA
Active
57
$565,000$40,760 down
Rate
6.30%
6.95%today
Payment
$3,273/mo
$3,500today
  • 4beds
  • 3baths
  • 2,352sqft

11257 169TH Lane, Surprise

17313 WOOD Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 6.42%
FHA
Active
51
$499,000$29,925 down
Rate
6.42%
6.95%today
Payment
$3,058/mo
$3,230today
  • 4beds
  • 3baths
  • 2,774sqft

17313 WOOD Drive, Surprise

13208 174TH Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 6.99%
FHA
Active
37
$488,900$36,542 down
Rate
6.99%
6.95%today
Payment
$3,077/mo
$3,065today
  • 4beds
  • 3baths
  • 2,141sqft

13208 174TH Drive, Surprise

17334 PERSHING Street, Surprise, AZ, 85388 — assumable FHA mortgage at 7.57%
FHA
Active
38
$516,900$35,764 down
Rate
7.57%
6.95%today
Payment
$3,484/mo
$3,275today
  • 4beds
  • 3baths
  • 2,774sqft

17334 PERSHING Street, Surprise

11472 168TH Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 6.78%
FHA
Active
39
$530,000$61,321 down
Rate
6.78%
6.95%today
Payment
$3,153/mo
$3,208today
  • 4beds
  • 3baths
  • 2,352sqft

11472 168TH Drive, Surprise

13500 174TH Lane, Surprise, AZ, 85388 — assumable VA mortgage at 6.95%
VA
Active
52
$440,000$109,441 down
Rate
6.95%
6.95%today
Payment
$2,280/mo
$2,280today
  • 3beds
  • 2baths
  • 1,758sqft

13500 174TH Lane, Surprise

13500 174TH Lane, Surprise, AZ, 85388 — assumable VA mortgage at 6.95%
VA
Active
44
$440,000$109,441 down
Rate
6.95%
6.95%today
Payment
$2,280/mo
$2,280today
  • 3beds
  • 2baths
  • 1,758sqft

13500 174TH Lane, Surprise

17302 GRETNA Street, Surprise, AZ, 85388 — assumable VA mortgage at 6.50%
VA
Active
46
$1,100,000$360,701 down
Rate
6.50%
6.95%today
Payment
$4,717/mo
$4,940today
  • 6beds
  • 5baths
  • 3,765sqft

17302 GRETNA Street, Surprise

16387 MONTE CRISTO Avenue, Surprise, AZ, 85388 — assumable FHA mortgage at 6.91%
FHA
Active
38
$409,000$153,894 down
Rate
6.91%
6.95%today
Payment
$1,707/mo
$1,714today
  • 3beds
  • 2baths
  • 1,825sqft

16387 MONTE CRISTO Avenue, Surprise

17789 COLUMBINE Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 5.88%
FHA
Active
48
$559,900$401,719 down
Rate
5.88%
6.95%today
Payment
$1,549/mo
$1,732today
  • 6beds
  • 4baths
  • 3,989sqft

17789 COLUMBINE Drive, Surprise

17940 DESERT Lane, Surprise, AZ, 85388 — assumable FHA mortgage at 6.64%
FHA
Active
42
$549,999$261,259 down
Rate
6.64%
6.95%today
Payment
$1,879/mo
$1,940today
  • 4beds
  • 3baths
  • 3,300sqft

17940 DESERT Lane, Surprise

Assuming a mortgage in Surprise

An assumable mortgage lets you buy the home and take over the seller’s existing FHA, VA or USDA loan—its rate, balance and remaining term included. Each listing above shows the existing rate and payment next to what the same loan would cost at today’s rates (about 6.95%), so you can see the saving before you tour.

Lowest existing rate
2.12%
Lowest existing payment
$805 /mo
Median cash to assume
$150,718
Thoi Truong

Thoi Truong

Realtor License: SA564122000

eXp Realty

thoisellsazhomes@gmail.com+16023869866eXp Realty logo
Equal Housing Opportunity

eXp Realty is committed to and abides by the Fair Housing Act and Equal Opportunity. Listing data is refreshed daily from participating MLS feeds; existing loan terms are estimates until verified with the servicer.

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