3.23% VA
$188,500
$517/mo
15692 Ironwood Drive
Dolan Springs, AZ
3 bd2 ba1,120 sqft
White Hills, Arizona
Keep the rate.
Buy the home in White Hills.
1 assumable home for sale in White Hills. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
3.25%
vs 7.2% market
$0/mo saved
Median locked rate
3.25%
Across 1 assumable listing
Typical monthly savings
$0
On a $189,900 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA
Government-backed loans are assumable by law
Verified in White Hills
Homes with a rate worth keeping
Inventory snapshot
What’s assumable in White Hills right now
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 1
- Certified / verified
- 0
- Median list price
- $189,900
- Median cash to assume
- $195,000
Listings by locked rate
- Under 4%0 homes
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Listings by loan type
- FHA1 home
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by White Hills ZIP code
Nearby markets
More assumable homes in Arizona
- Phoenix505
- Mesa249
- Buckeye231
- Surprise198
- San Tan Valley185
- Maricopa171
- Casa Grande115
- Goodyear115
- Glendale113
- Peoria105
- Sierra Vista79
- Gilbert77
- Chandler65
- Florence63
- Kingman63
- Avondale57
- Queen Creek55
- Apache Junction54
- Litchfield Park54
- Scottsdale53
- Laveen52
- Sun City51
- Prescott50
- Prescott Valley47
Run your numbers
The cost of waiting in White Hills.
A 7.2% new loan against an assumable one at 3.25%, same balance, 30 years.
You keep every month
$370/mo
Over a year$4,443
Monthly payment, side by side
7.2% vs 3.25%
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 White Hills
Numbers below come from current White Hills inventory and update as listings change.
- How many assumable homes are for sale in White Hills?
- As of September 2026, UMe tracks 1 active assumable listing in White 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 White Hills?
- Current White Hills inventory breaks down as FHA (1). 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.
- How much money do I need to assume a home in White Hills?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In White Hills that gap is currently a median of $195,000 on a median list price of $189,900. 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 White Hills ZIP codes have the most assumable homes?
- The White Hills ZIP codes with the most active assumable listings are 86445 (1). 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 White 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 White 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.
