Keep the rate.
Buy the home in Yuma.
2 assumable homes for sale in Yuma, with locked rates from 4.17%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.33%
vs 7.2% market
$562/mo saved
Median locked rate
5.33%
Across 2 assumable listings
Typical monthly savings
$562
On a $543,746 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
FHA · VA
Government-backed loans are assumable by law
Verified in Yuma
Homes with a rate worth keeping
No verified assumables in Yuma right now.
New ones land weekly. Search the full map or set an alert.
Inventory snapshot
What’s assumable in Yuma right now
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 2
- Certified / verified
- 0
- Lowest rate
- 4.17%
- Median rate
- 5.33%
- Median list price
- $543,746
- Median cash to assume
- $112,387
Listings by locked rate
- Under 4%0 homes
- 4% – 5%1 home
- 5% – 6%0 homes
- 6% and up1 home
Listings by loan type
- FHA1 homemedian 4.17%
- VA1 homemedian 6.50%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Yuma ZIP code
Nearby markets
More assumable homes in Arizona
- Phoenix392
- Mesa211
- Buckeye185
- Surprise164
- Maricopa148
- San Tan Valley141
- Casa Grande101
- Glendale95
- Goodyear93
- Peoria68
- Gilbert67
- Chandler62
- Sierra Vista55
- Florence53
- Avondale51
- Laveen48
- Litchfield Park46
- Prescott Valley45
- Queen Creek44
- Sun City44
- Prescott42
- Scottsdale42
- Apache Junction41
- Tolleson38
Run your numbers
The cost of waiting in Yuma.
A 7.2% new loan against an assumable one at 5.33%, same balance, 30 years.
You keep every month
Monthly payment, side by side
7.2% vs 5.33%
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 Yuma
Numbers below come from current Yuma inventory and update as listings change.
- How many assumable homes are for sale in Yuma?
- As of September 2026, UMe tracks 2 active assumable listings in Yuma. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Yuma?
- Current Yuma inventory breaks down as FHA (1, median 4.17%) and VA (1, median 6.50%). 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 Yuma right now?
- The lowest rate on an active Yuma assumable listing is 4.17%, and the median across all 2 listings is 5.33%. 0 listings are 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 Yuma?
- Across current Yuma listings, the median principal-and-interest payment on the assumable loan is $2,603 per month versus $3,166 for the same balance at today's rates, a difference of about $562 every month, or $6,749 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 Yuma?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Yuma that gap is currently a median of $112,387 on a median list price of $543,746. 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 Yuma ZIP codes have the most assumable homes?
- The Yuma ZIP codes with the most active assumable listings are 85367 (2). 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 Yuma?
- 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 Yuma.
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.
