3.88% VA
Certified
$469,000
$2,201/mo
1020 SINOVA --
Mesa, AZ
3 bd3 ba1,542 sqft
Fountain Hills, Arizona
Keep the rate.
Buy the home in Fountain Hills.
8 assumable homes for sale in Fountain Hills, with locked rates from 2.81%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
3.52%
vs 7.2% market
$695/mo saved
Median locked rate
3.52%
Across 8 assumable listings
Typical monthly savings
$695
On a $512,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Fountain Hills
Homes with a rate worth keeping
2.50% VA
Certified
$700,000
$2,063/mo
3242 RICARDO Circle
Mesa, AZ
5 bd4 ba2,887 sqft
3.89% VA
$399,999
$1,931/mo
1904 LEBARON Street
Mesa, AZ
4 bd2 ba1,328 sqft
3.75% VA
$659,000
$2,806/mo
14433 SAN CARLOS Drive
Fountain Hills, AZ
2 bd3 ba1,859 sqft
3.76% VA
$399,000
$1,628/mo
2127 SHANNON Way
Mesa, AZ
2 bd2 ba1,269 sqft
2.81% VA
$397,900
$1,133/mo
6735 MELROSE Street
Mesa, AZ
2 bd2 ba1,250 sqft
Inventory snapshot
What’s assumable in Fountain Hills right now
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 8
- Certified / verified
- 0
- Lowest rate
- 2.81%
- Median rate
- 3.52%
- Median list price
- $512,000
- Median cash to assume
- $109,696
Listings by locked rate
- Under 4%5 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up3 homes
Listings by loan type
- FHA4 homesmedian 5.06%
- VA4 homesmedian 3.46%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Fountain Hills ZIP code
Nearby markets
More assumable homes in Arizona
- Phoenix504
- Mesa248
- Buckeye229
- Surprise198
- San Tan Valley185
- Maricopa170
- Casa Grande115
- Goodyear115
- Glendale113
- Peoria105
- Sierra Vista79
- Gilbert76
- Chandler65
- Florence63
- Avondale57
- Queen Creek55
- Apache Junction54
- Litchfield Park54
- Scottsdale53
- Laveen52
- Prescott50
- Prescott Valley49
- Sun City49
- Tolleson41
Run your numbers
The cost of waiting in Fountain Hills.
A 7.2% new loan against an assumable one at 3.52%, same balance, 30 years.
You keep every month
$933/mo
Over a year$11,194
Monthly payment, side by side
7.2% vs 3.52%
How an assumption works
Three steps. One lower payment.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written.
- 01
Find a locked rate
Every listing here carries an existing FHA, VA, or USDA loan you can take over. Filter by rate, payment, or down payment.
- 02
Qualify with the servicer
You apply with the current lender, not a new one. Our team handles the paperwork and the timeline.
- 03
Close and keep the rate
The seller’s balance, rate, and remaining term become yours. No points, no rate shopping, no reset to 30 years.
Questions
Assuming a mortgage in Fountain Hills
Numbers below come from current Fountain Hills inventory and update as listings change.
- How many assumable homes are for sale in Fountain Hills?
- As of September 2026, UMe tracks 8 active assumable listings in Fountain Hills. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Fountain Hills?
- Current Fountain Hills inventory breaks down as FHA (4, median 5.06%) and VA (4, median 3.46%). 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 Fountain Hills right now?
- The lowest rate on an active Fountain Hills assumable listing is 2.81%, and the median across all 8 listings is 3.52%. 5 listings are under 4% and 5 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 Fountain Hills?
- Across current Fountain Hills listings, the median principal-and-interest payment on the assumable loan is $2,179 per month versus $2,874 for the same balance at today's rates, a difference of about $695 every month, or $8,342 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 Fountain Hills?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Fountain Hills that gap is currently a median of $109,696 on a median list price of $512,000. 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 Fountain Hills ZIP codes have the most assumable homes?
- The Fountain Hills ZIP codes with the most active assumable listings are 85268 (8). 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 Fountain Hills?
- 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.
Ready when you are
Stop overpaying for Fountain Hills.
Every listing on the map has a rate you can take over. Start with the ones in Arizona, or list your own low-rate loan and let buyers come to you.
