3.76% VA
$539,000
$2,316/mo
5145 ARLINGTON Road
Eloy, AZ
2 bd3 ba1,911 sqft
Picacho, Arizona
Keep the rate.
Buy the home in Picacho.
Assumable mortgages let you take over a seller’s existing low-rate loan instead of financing at today’s 7.2%. These are the ones we’ve verified in Picacho.
Avg. assumable rate
5.04%
vs 7.2% market
$498/mo saved
Average locked rate
5.04%
Across 6 assumable listings
Typical monthly savings
$498
On a $446,233 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in Picacho
Homes with a rate worth keeping
2.87% VA
$975,000
$1,512/mo
642 CORNMAN Road
Coolidge, AZ
3 bd2 ba1,369 sqft
4.98% FHA
$239,900
$1,420/mo
3755 MOHU Drive
Eloy, AZ
4 bd2 ba1,609 sqft
5.23% FHA
$290,000
$1,526/mo
3805 JUNIPER Drive
Eloy, AZ
4 bd2 ba1,603 sqft
6.90% VA
$255,500
$1,640/mo
1772 PECOS Drive
Casa Grande, AZ
2 bd3 ba1,499 sqft
6.50% VA
$378,000
$2,234/mo
4080 TURQUOISE Drive
Eloy, AZ
4 bd2 ba1,745 sqft
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
- Kingman63
- Avondale57
- Queen Creek55
- Apache Junction54
- Litchfield Park54
- Scottsdale53
- Laveen52
- Prescott50
- Prescott Valley49
- Sun City49
Run your numbers
The cost of waiting in Picacho.
A 7.2% new loan against an assumable one at 5.04%, same balance, 30 years.
You keep every month
$497/mo
Over a year$5,960
Monthly payment, side by side
7.2% vs 5.04%
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 Picacho
Numbers below come from current Picacho inventory and update as listings change.
- Are there assumable homes for sale in Picacho?
- As of September 2026, there are no verified assumable listings in Picacho. New assumable homes appear every week across Arizona; save a search on the map and we will email you when one lands in Picacho.
- What types of loans can be assumed in Picacho?
- FHA, VA, and USDA mortgages are assumable by law and make up nearly all assumable listings in Arizona. Conventional loans usually include a due-on-sale clause and cannot be assumed. You do not need to be a veteran to assume a VA loan.
- How long does a mortgage assumption take in Picacho?
- 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 Picacho.
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.
