FHA
Active
43$305,000$86,971 down
- Rate
- 2.88%
7.28%today- Payment
- $1,039/mo
$1,713today
- 3beds
- 2baths
- 1,631sqft
Queen Creek, Arizona
Assumable homes for salein Queen Creek, Arizona.
47 homes in Queen Creek carry an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.67%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Queen Creek assumable market
by the numbers.
47active assumable listings
2.67%lowest locked rate
$630kmedian list price
$802saved per month vs. 7.2%
About the market
Assumable mortgagesin Queen Creek, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Queen Creek. Updated October 2026.
How assumptions work for buyersQueen Creek, Arizona has 47 homes for sale with an assumable mortgage as of October 2026: 33 VA loans and 14 FHA loans that a qualified buyer can take over at the seller's existing rate instead of financing at today's roughly 7.2%. Rates on active Queen Creek assumable listings start at 2.67% with a median of 3.87%; 24 listings are under 4% and 26 are under 5%.
The median assumable home in Queen Creek lists for $630,000, with a median of $152,855 in cash to assume, the gap between the price and the remaining loan balance. At the median assumable rate the principal-and-interest payment is about $2,373 a month versus $3,175 for the same balance at today's rate, roughly $802 kept every month and $9,629 a year. The most active Queen Creek ZIP codes are 85142 (39), 85140 (5), and 85144 (3).
1 listing in Queen Creek is UMe Certified, meaning the balance, rate, and assumability have been confirmed with the listing agent. FHA, VA, and USDA loans are assumable by law, and you do not need to be a veteran to assume a VA loan. Once you are under contract, the loan servicer underwrites you rather than a new lender; most Queen Creek assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Queen Creek
View all 47 on the map Homes on the marketin Queen Creek.
VA
Active
21$674,999$156,131 down
- Rate
- 3.10%
7.28%today- Payment
- $2,477/mo
$3,968today
- 4beds
- 4baths
- 2,924sqft
40641 BARRED Place, San Tan Valley
VA
Active
33$549,000$117,118 down
- Rate
- 3.125%
7.28%today- Payment
- $2,095/mo
$3,346today
- 3beds
- 2baths
- 1,868sqft
22768 VIA DEL SOL --, Queen Creek
FHA
Active
50$420,000$108,402 down
- Rate
- 3.50%
7.28%today- Payment
- $1,553/mo
$2,367today
- 3beds
- 3baths
- 1,859sqft
10809 BOSTON Street, Apache Junction
FHA
Active
20$295,000$138,816 down
- Rate
- 2.375%
7.28%today- Payment
- $699/mo
$1,231today
- 2beds
- 2baths
- 964sqft
2455 BROADWAY Road #59, Mesa
FHA
Active
21$335,000$7,182 down
- Rate
- 6.50%
7.28%today- Payment
- $2,110/mo
$2,284today
- 2beds
- 2baths
- 1,032sqft
3454 CHAPARRAL Road, Apache Junction
Live MLS collection. Loan balances, payment estimates, and cash-to-assume amounts update with the source listing. Taxes, insurance, HOA, closing costs, and secondary financing may change the final monthly payment.
Inventory snapshot
What’s in the mixin Queen Creek.
Live counts from the MLS feeds we index for Arizona. Updated October 2026.
- Active listings
- 47
- UMe Certified / verified
- 1
- Lowest rate
- 2.67%
- Median rate
- 3.87%
- Median list price
- $630,000
- Median cash to assume
- $152,855
Queen Creek listings by locked rate
- Under 4%24 homes
- 4% – 5%2 homes
- 5% – 6%4 homes
- 6% and up17 homes
Queen Creek listings by loan type
- VA33 homesmedian 3.55%
- FHA14 homesmedian 6.08%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Queen Creek ZIP code.
Each ZIP opens the Queen Creek map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Queen Creek numbers
What an assumable ratedoes to a Queen Creek payment.
The sliders start at the median Queen Creek assumable listing: $630,000 list price and a 3.87% existing rate. We compare the payment you would take over against financing the same balance with a new loan at today’s 7.20%. Principal and interest only; taxes, insurance, and HOA dues are the same either way.
The gap between price and balance is the seller’s equity: your cash to assume, or what a second loan can help cover.
Cash to assume (seller’s equity)$155,000
25% of the price. Eligible buyers can start with as little as 5% down using a second loan for the rest.
Your monthly payment if you assume in Queen Creek
$2,412/mo
New loan at 7.20%$3,224
Assumed at 3.85%
$2,412
Every month$813
Over five years$48,752
Interest you never pay$408,27426-year assumed loan vs. a new 30-year loan
Estimates for illustration. The real numbers depend on the loan, the servicer, and your qualification; every Queen Creek listing on UMe shows the actual balance, rate, and payment.
How it works in Queen Creek
How to assumea mortgage in Queen Creek.
You’re not applying for a new mortgage. You’re stepping into one that already exists, at the rate it was written. Four steps, and UMe owns the hard one.
Start with pre-qualification- 01
Find a Queen Creek home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Queen Creek map by existing rate, monthly payment, or cash to assume instead of by list price alone.
- 02
Cover the seller’s equity.
You pay the seller the difference between the price and the remaining balance, a median of $152,855 in Queen Creek today. Cash, a second loan, or seller financing can bridge it.
- 03
Qualify with the servicer, not a new lender.
The current loan servicer reviews your credit, income, and debt just like a lender would. UMe prepares the file, works the servicer directly, and chases every follow-up so the 45-to-90-day timeline holds.
- 04
Close and keep the rate.
The seller’s balance, rate, and remaining term become yours. No points, no origination fee, no reset to 30 years, and a Queen Creek payment written in a different decade.
Queen Creek questions
Assuming a mortgagein Queen Creek.
The numbers below come from current Queen Creek inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Queen Creek?
As of October 2026, UMe tracks 47 active assumable listings in Queen Creek. 1 of them is UMe Certified, meaning the loan balance, rate, and assumability have been confirmed with the listing agent. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Queen Creek?
Current Queen Creek inventory breaks down as VA (33, median 3.55%) and FHA (14, median 6.08%). 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 Queen Creek?
The lowest rate on an active Queen Creek assumable listing is 2.67%, and the median across all 47 listings is 3.87%. 24 listings are under 4% and 26 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 Queen Creek?
Across current Queen Creek listings, the median principal-and-interest payment on the assumable loan is $2,373 per month versus $3,175 for the same balance at today's rates, a difference of about $802 every month, or $9,629 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 Queen Creek?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Queen Creek that gap is currently a median of $152,855 on a median list price of $630,000. 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 Queen Creek ZIP codes have the most assumable homes?
The Queen Creek ZIP codes with the most active assumable listings are 85142 (39), 85140 (5), and 85144 (3). 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 Queen Creek?
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.
Nearby markets
All of Arizona More assumable homesin Arizona.
Ready when you are
Stop overpaying for Queen Creek.The rate is already on the house.
Every listing on the Queen Creek map has a rate you can take over. Start with the ones in Queen Creek, get pre-qualified in minutes, and let UMe carry the assumption to closing.
