3.25% VA
Certified
$515,000
$2,209/mo
1028 240TH Drive
Buckeye, AZ
5 bd3 ba3,140 sqft
Buckeye, Arizona
Keep the rate.
Buy the home in Buckeye.
229 assumable homes for sale in Buckeye, with locked rates from 2.20%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.31%
vs 7.2% market
$478/mo saved
Median locked rate
5.31%
Across 229 assumable listings
Typical monthly savings
$478
On a $380,000 home vs 7.2%
Certified listings
3
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Buckeye
Homes with a rate worth keeping
2.50% FHA
Certified
$399,900
$1,163/mo
4074 179TH Drive
Goodyear, AZ
4 bd3 ba2,396 sqft
4.45% FHA
Certified
$525,000
$1,583/mo
4916 185TH Drive
Goodyear, AZ
4 bd3 ba2,414 sqft
6.71% FHA
Certified
$425,000
$2,418/mo
1702 223RD Lane
Buckeye, AZ
4 bd3 ba2,048 sqft
3.07% VA
$355,000
$1,675/mo
31027 MULBERRY Drive
Buckeye, AZ
4 bd2 ba1,712 sqft
3.07% FHA
$279,900
$1,504/mo
30957 AMELIA Avenue
Buckeye, AZ
3 bd2 ba1,458 sqft
Inventory snapshot
What’s assumable in Buckeye right now
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 229
- Certified / verified
- 3
- Lowest rate
- 2.20%
- Median rate
- 5.31%
- Median list price
- $380,000
- Median cash to assume
- $104,792
Listings by locked rate
- Under 4%86 homes
- 4% – 5%19 homes
- 5% – 6%15 homes
- 6% and up104 homes
Listings by loan type
- FHA133 homesmedian 6.11%
- VA96 homesmedian 4.75%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Buckeye ZIP code
Nearby markets
More assumable homes in Arizona
- Phoenix504
- Mesa248
- 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
- Aguila
Run your numbers
The cost of waiting in Buckeye.
A 7.2% new loan against an assumable one at 5.31%, same balance, 30 years.
You keep every month
$374/mo
Over a year$4,482
Monthly payment, side by side
7.2% vs 5.31%
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 Buckeye
Numbers below come from current Buckeye inventory and update as listings change.
- How many assumable homes are for sale in Buckeye?
- As of September 2026, UMe tracks 229 active assumable listings in Buckeye. 3 of them are 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 Buckeye?
- Current Buckeye inventory breaks down as FHA (133, median 6.11%) and VA (96, median 4.75%). 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 Buckeye right now?
- The lowest rate on an active Buckeye assumable listing is 2.20%, and the median across all 229 listings is 5.31%. 86 listings are under 4% and 105 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 Buckeye?
- Across current Buckeye listings, the median principal-and-interest payment on the assumable loan is $1,962 per month versus $2,440 for the same balance at today's rates, a difference of about $478 every month, or $5,735 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 Buckeye?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Buckeye that gap is currently a median of $104,792 on a median list price of $380,000. 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 Buckeye ZIP codes have the most assumable homes?
- The Buckeye ZIP codes with the most active assumable listings are 85326 (141) and 85396 (88). 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 Buckeye?
- 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 Buckeye.
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.
