VA
Active
68$880,000$600,199 down
- Rate
- 2.78%
7.28%today- Payment
- $1,320/mo
$2,203today
- 3beds
- 2baths
- 1,456sqft
Aguila, Arizona
Assumable homes for salein Aguila, Arizona.
1 home in Aguila carries an existing FHA, VA, or USDA loan you can take over, with locked rates from 2.78%. Assume the seller’s mortgage instead of financing at today’s 7.2%.
Live MLS data · Updated
Aguila assumable market
by the numbers.
1active assumable listing
2.78%lowest locked rate
$880kmedian list price
$936saved per month vs. 7.2%
About the market
Assumable mortgagesin Aguila, explained.
Every number on this page comes from the live MLS feeds UMe indexes for Arizona, filtered to Aguila. Updated October 2026.
How assumptions work for buyersAguila, Arizona has 1 home for sale with an assumable mortgage as of October 2026: 1 VA loan 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 Aguila assumable listings start at 2.78% with a median of 2.78%; 1 listing is under 4% and 1 is under 5%.
The median assumable home in Aguila lists for $880,000, with a median of $600,870 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 $1,320 a month versus $2,256 for the same balance at today's rate, roughly $936 kept every month and $11,235 a year. The most active Aguila ZIP codes are 85320 (1).
UMe confirms the balance, rate, and assumability of each listing with the listing agent before marking it Certified. 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 Aguila assumptions close in 45 to 90 days, and UMe tracks the file with the servicer and both agents so nothing stalls.
Verified in Aguila
View all 1 on the map Homes on the marketin Aguila.
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 Aguila.
Live counts from the MLS feeds we index for Arizona. Updated October 2026.
- Active listings
- 1
- UMe Certified / verified
- 0
- Lowest rate
- 2.78%
- Median rate
- 2.78%
- Median list price
- $880,000
- Median cash to assume
- $600,870
Aguila listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%0 homes
- 6% and up0 homes
Aguila listings by loan type
- VA1 homemedian 2.78%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homesby Aguila ZIP code.
Each ZIP opens the Aguila map zoomed to its listings, in assumptions mode, with rate and payment filters ready.
Run the Aguila numbers
What an assumable ratedoes to an Aguila payment.
The sliders start at the median Aguila assumable listing: $880,000 list price and a 2.78% 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)$600,000
68% 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 Aguila
$1,264/mo
New loan at 7.20%$1,901
Assumed at 2.80%
$1,264
Every month$636
Over five years$38,173
Interest you never pay$289,72826-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 Aguila listing on UMe shows the actual balance, rate, and payment.
How it works in Aguila
How to assumea mortgage in Aguila.
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 an Aguila home with a locked rate.
Every listing on this page carries an existing FHA, VA, or USDA loan. Filter the Aguila 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 $600,870 in Aguila 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 an Aguila payment written in a different decade.
Aguila questions
Assuming a mortgagein Aguila.
The numbers below come from current Aguila inventory and update as listings change.
All assumption FAQsHow many assumable homes are for sale in Aguila?
As of October 2026, UMe tracks 1 active assumable listing in Aguila. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
What types of assumable loans are available in Aguila?
Current Aguila inventory breaks down as VA (1, median 2.78%). 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 Aguila?
The lowest rate on an active Aguila assumable listing is 2.78%, and the median across all 1 listing is 2.78%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
How much can I save with a mortgage assumption in Aguila?
Across current Aguila listings, the median principal-and-interest payment on the assumable loan is $1,320 per month versus $2,256 for the same balance at today's rates, a difference of about $936 every month, or $11,235 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 Aguila?
When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Aguila that gap is currently a median of $600,870 on a median list price of $880,000. 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 Aguila ZIP codes have the most assumable homes?
The Aguila ZIP codes with the most active assumable listings are 85320 (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 Aguila?
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 Aguila.The rate is already on the house.
Every listing on the Aguila map has a rate you can take over. Start with the ones in Aguila, get pre-qualified in minutes, and let UMe carry the assumption to closing.
