2.98% VA
$370,000
$1,323/mo
113 PINECREST Road
Payson, AZ
3 bd2 ba1,380 sqft
Pine, Arizona
Keep the rate.
Buy the home in Pine.
5 assumable homes for sale in Pine, with locked rates from 3.67%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.41%
vs 7.2% market
$203/mo saved
Median locked rate
5.41%
Across 5 assumable listings
Typical monthly savings
$203
On a $474,900 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 Pine
Homes with a rate worth keeping
2.66% VA
$649,900
$1,667/mo
806 Oak Point Circle
Payson, AZ
3 bd3 ba2,424 sqft
2.68% FHA
$485,000
$1,272/mo
310 TRAILWOOD Road
Payson, AZ
3 bd3 ba2,174 sqft
2.68% FHA
$449,000
$1,192/mo
800 MONTANA Drive
Payson, AZ
3 bd4 ba2,096 sqft
2.89% VA
$615,000
$800/mo
5287 JUDY Lane
Strawberry, AZ
4 bd2 ba1,872 sqft
3.06% VA
$539,900
$1,508/mo
405 HOUSTON MESA Road
Payson, AZ
3 bd2 ba2,078 sqft
Inventory snapshot
What’s assumable in Pine right now
Live counts from the MLS feeds we index for Arizona. Updated August 2026.
- Active listings
- 5
- Certified / verified
- 0
- Lowest rate
- 3.67%
- Median rate
- 5.41%
- Median list price
- $474,900
- Median cash to assume
- $211,700
Listings by locked rate
- Under 4%1 home
- 4% – 5%1 home
- 5% – 6%1 home
- 6% and up2 homes
Listings by loan type
- FHA3 homesmedian 5.41%
- VA2 homesmedian 5.22%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Pine ZIP code
Nearby markets
More assumable homes in Arizona
- Phoenix503
- Mesa248
- Buckeye229
- Surprise197
- San Tan Valley185
- Maricopa170
- Casa Grande115
- Goodyear115
- Glendale112
- Peoria105
- Sierra Vista79
- Gilbert76
- Chandler65
- Florence63
- Avondale57
- Apache Junction54
- Litchfield Park54
- Queen Creek54
- Scottsdale53
- Laveen52
- Sun City49
- Tolleson41
- Tonopah32
- Coolidge31
Run your numbers
The cost of waiting in Pine.
A 7.2% new loan against an assumable one at 5.41%, same balance, 30 years.
You keep every month
$443/mo
Over a year$5,318
Monthly payment, side by side
7.2% vs 5.41%
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 Pine
Numbers below come from current Pine inventory and update as listings change.
- How many assumable homes are for sale in Pine?
- As of August 2026, UMe tracks 5 active assumable listings in Pine. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Pine?
- Current Pine inventory breaks down as FHA (3, median 5.41%) and VA (2, median 5.22%). 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 Pine right now?
- The lowest rate on an active Pine assumable listing is 3.67%, and the median across all 5 listings is 5.41%. 1 listing is under 4% and 2 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 Pine?
- Across current Pine listings, the median principal-and-interest payment on the assumable loan is $1,998 per month versus $2,201 for the same balance at today's rates, a difference of about $203 every month, or $2,434 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 Pine?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Pine that gap is currently a median of $211,700 on a median list price of $474,900. 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 Pine ZIP codes have the most assumable homes?
- The Pine ZIP codes with the most active assumable listings are 85544 (5). 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 Pine?
- 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 Pine.
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.
