2.80% VA
Certified
$379,900
$1,492/mo
17119 ELKO Drive
Surprise, AZ
3 bd2 ba1,398 sqft
Sun City, Arizona
Keep the rate.
Buy the home in Sun City.
49 assumable homes for sale in Sun City, with locked rates from 2.25%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
3.68%
vs 7.2% market
$544/mo saved
Median locked rate
3.68%
Across 49 assumable listings
Typical monthly savings
$544
On a $273,500 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 Sun City
Homes with a rate worth keeping
3.99% FHA
Certified
$526,000
$2,679/mo
17034 Seldon Lane
Waddell, AZ
4 bd3 ba3,017 sqft
2.50% VA
Certified
$425,000
$1,442/mo
8803 Orchid Lane
Peoria, AZ
3 bd2 ba1,931 sqft
2.87% FHA
Certified
$410,000
$1,380/mo
16775 IPSWITCH Way
Surprise, AZ
3 bd2 ba1,679 sqft
2.84% VA
Certified
$489,000
$1,518/mo
13027 LAMAR Road
Glendale, AZ
4 bd4 ba2,621 sqft
2.25% VA
Certified
$1,195,000
$1,748/mo
5949 PINNACLE HILL Drive
Glendale, AZ
4 bd4 ba3,528 sqft
Inventory snapshot
What’s assumable in Sun City right now
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 49
- Certified / verified
- 0
- Lowest rate
- 2.25%
- Median rate
- 3.68%
- Median list price
- $273,500
- Median cash to assume
- $84,917
Listings by locked rate
- Under 4%28 homes
- 4% – 5%3 homes
- 5% – 6%2 homes
- 6% and up16 homes
Listings by loan type
- VA26 homesmedian 3.21%
- FHA23 homesmedian 6.26%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Sun City 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
- Tolleson41
- Aguila
Run your numbers
The cost of waiting in Sun City.
A 7.2% new loan against an assumable one at 3.68%, same balance, 30 years.
You keep every month
$483/mo
Over a year$5,798
Monthly payment, side by side
7.2% vs 3.68%
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 Sun City
Numbers below come from current Sun City inventory and update as listings change.
- How many assumable homes are for sale in Sun City?
- As of September 2026, UMe tracks 49 active assumable listings in Sun City. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Sun City?
- Current Sun City inventory breaks down as VA (26, median 3.21%) and FHA (23, median 6.26%). 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 Sun City right now?
- The lowest rate on an active Sun City assumable listing is 2.25%, and the median across all 49 listings is 3.68%. 28 listings are under 4% and 31 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 Sun City?
- Across current Sun City listings, the median principal-and-interest payment on the assumable loan is $1,070 per month versus $1,614 for the same balance at today's rates, a difference of about $544 every month, or $6,533 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 Sun City?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Sun City that gap is currently a median of $84,917 on a median list price of $273,500. 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 Sun City ZIP codes have the most assumable homes?
- The Sun City ZIP codes with the most active assumable listings are 85351 (37) and 85373 (12). 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 Sun City?
- 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 Sun City.
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.
