Michelle Schmidt

Michelle Schmidt

(408) 858-6027

Assumable homes for sale in Surprise, AZ

57 homesFHA & VA loansrates from 2.83% vs 7.28% today

Surprise assumption guide
18261 Poston Drive, Surprise, AZ, 85387 — assumable FHA mortgage at 4.875%
FHA
Active
28
$409,500$28,374 down
Rate
4.875%
7.28%today
Payment
$2,096/mo
$2,710today
  • 4beds
  • 2baths
  • 1,789sqft

18261 Poston Drive, Surprise

17373 PINNACLE VISTA Drive, Surprise, AZ, 85387 — assumable VA mortgage at 2.84%
VA
Active
21
$345,000$74,973 down
Rate
2.84%
7.28%today
Payment
$1,252/mo
$2,075today
  • 4beds
  • 2baths
  • 1,950sqft

17373 PINNACLE VISTA Drive, Surprise

16516 ALAMEDA Road, Surprise, AZ, 85387 — assumable FHA mortgage at 3.06%
FHA
Active
38
$399,999$120,732 down
Rate
3.06%
7.28%today
Payment
$1,339/mo
$2,156today
  • 4beds
  • 2baths
  • 1,793sqft

16516 ALAMEDA Road, Surprise

24154 165TH Drive, Surprise, AZ, 85387 — assumable VA mortgage at 3.56%
VA
Active
35
$560,000$59,919 down
Rate
3.56%
7.28%today
Payment
$2,484/mo
$3,757today
  • 4beds
  • 3baths
  • 2,599sqft

24154 165TH Drive, Surprise

24857 172ND Avenue, Surprise, AZ, 85387 — assumable FHA mortgage at 3.76%
FHA
Active
42
$364,900$37,350 down
Rate
3.76%
7.28%today
Payment
$1,659/mo
$2,449today
  • 2beds
  • 2baths
  • 1,493sqft

24857 172ND Avenue, Surprise

17530 VILLA HERMOSA Lane, Surprise, AZ, 85387 — assumable FHA mortgage at 3.17%
FHA
Active
28
$389,000$78,019 down
Rate
3.17%
7.28%today
Payment
$1,512/mo
$2,402today
  • 3beds
  • 2baths
  • 1,892sqft

17530 VILLA HERMOSA Lane, Surprise

17664 PARAISO Drive, Surprise, AZ, 85387 — assumable FHA mortgage at 2.83%
FHA
Active
41
$349,500$123,612 down
Rate
2.83%
7.28%today
Payment
$1,074/mo
$1,781today
  • 3beds
  • 2baths
  • —sqft

17664 PARAISO Drive, Surprise

17867 JESSIE Lane, Surprise, AZ, 85387 — assumable FHA mortgage at 2.96%
FHA
Active
51
$478,000$167,834 down
Rate
2.96%
7.28%today
Payment
$1,471/mo
$2,400today
  • 5beds
  • 3baths
  • 3,018sqft

17867 JESSIE Lane, Surprise

17145 STRAIGHT ARROW Lane, Surprise, AZ, 85387 — assumable FHA mortgage at 3.55%
FHA
Active
12
$420,000$94,778 down
Rate
3.55%
7.28%today
Payment
$1,614/mo
$2,444today
  • 4beds
  • 3baths
  • 2,354sqft

17145 STRAIGHT ARROW Lane, Surprise

17805 Daley Lane, Surprise, AZ, 85387 — assumable VA mortgage at 3.10%
VA
Active
55
$440,000$147,880 down
Rate
3.10%
7.28%today
Payment
$1,388/mo
$2,225today
  • 5beds
  • 3baths
  • 2,183sqft

17805 Daley Lane, Surprise

16870 ELECTRA Court, Surprise, AZ, 85387 — assumable VA mortgage at 3.12%
VA
Active
31
$600,000$207,306 down
Rate
3.12%
7.28%today
Payment
$1,862/mo
$2,977today
  • 5beds
  • 3baths
  • —sqft

16870 ELECTRA Court, Surprise

17792 Cashman Drive, Surprise, AZ, 85387 — assumable FHA mortgage at 3.13%
FHA
Active
44
$400,000$152,297 down
Rate
3.13%
7.28%today
Payment
$1,205/mo
$1,923today
  • 3beds
  • 2baths
  • 1,967sqft

17792 Cashman Drive, Surprise

17623 COUNTRY CLUB Terrace, Surprise, AZ, 85387 — assumable VA mortgage at 3.51%
VA
Active
42
$350,000$128,837 down
Rate
3.51%
7.28%today
Payment
$1,132/mo
$1,723today
  • 3beds
  • 2baths
  • 1,328sqft

17623 COUNTRY CLUB Terrace, Surprise

17729 Fetlock Trail, Surprise, AZ, 85387 — assumable FHA mortgage at 5.10%
FHA
Active
47
$394,500$13,073 down
Rate
5.10%
7.28%today
Payment
$2,223/mo
$2,802today
  • 3beds
  • 2baths
  • 1,570sqft

17729 Fetlock Trail, Surprise

25843 165TH Lane, Surprise, AZ, 85387 — assumable VA mortgage at 3.47%
VA
Active
40
$375,000$207,911 down
Rate
3.47%
7.28%today
Payment
$863/mo
$1,321today
  • 3beds
  • 2baths
  • 1,716sqft

25843 165TH Lane, Surprise

17837 COUNTRY CLUB Terrace, Surprise, AZ, 85387 — assumable VA mortgage at 5.30%
VA
Active
31
$390,000$14,244 down
Rate
5.30%
7.28%today
Payment
$2,221/mo
$2,737today
  • 3beds
  • 2baths
  • —sqft

17837 COUNTRY CLUB Terrace, Surprise

25502 164TH Avenue, Surprise, AZ, 85387 — assumable VA mortgage at 5.22%
VA
Active
51
$535,000$40,886 down
Rate
5.22%
7.28%today
Payment
$2,893/mo
$3,597today
  • 5beds
  • 4baths
  • 3,021sqft

25502 164TH Avenue, Surprise

16719 ROWEL Road, Surprise, AZ, 85387 — assumable VA mortgage at 5.23%
VA
Active
27
$399,000$69,553 down
Rate
5.23%
7.28%today
Payment
$1,937/mo
$2,405today
  • 3beds
  • 2baths
  • 1,784sqft

16719 ROWEL Road, Surprise

18040 LOUISE Drive, Surprise, AZ, 85387 — assumable FHA mortgage at 4.06%
FHA
Active
43
$484,900$234,201 down
Rate
4.06%
7.28%today
Payment
$1,408/mo
$2,004today
  • 4beds
  • 3baths
  • —sqft

18040 LOUISE Drive, Surprise

17308 DALEY Lane, Surprise, AZ, 85387 — assumable VA mortgage at 6.12%
VA
Active
22
$355,000$9,290 down
Rate
6.12%
7.28%today
Payment
$2,197/mo
$2,475today
  • 3beds
  • 2baths
  • 1,495sqft

17308 DALEY Lane, Surprise

17329 VIA DE LUNA Drive, Surprise, AZ, 85387 — assumable FHA mortgage at 6.71%
FHA
Active
33
$364,000$14,018 down
Rate
6.71%
7.28%today
Payment
$2,347/mo
$2,486today
  • 3beds
  • 2baths
  • 1,716sqft

17329 VIA DE LUNA Drive, Surprise

16987 RED BIRD Road, Surprise, AZ, 85387 — assumable VA mortgage at 6.90%
VA
Active
46
$524,998$18,681 down
Rate
6.90%
7.28%today
Payment
$3,480/mo
$3,615today
  • 5beds
  • 3baths
  • 3,024sqft

16987 RED BIRD Road, Surprise

18143 Paraiso Drive, Surprise, AZ, 85387 — assumable VA mortgage at 7.19%
VA
Active
40
$399,000$4,679 down
Rate
7.19%
7.28%today
Payment
$2,758/mo
$2,783today
  • 4beds
  • 2baths
  • 1,896sqft

18143 Paraiso Drive, Surprise

17633 RUNNING DEER Trail, Surprise, AZ, 85387 — assumable VA mortgage at 7.22%
VA
Active
28
$579,900$27,343 down
Rate
7.22%
7.28%today
Payment
$3,843/mo
$3,866today
  • 4beds
  • 4baths
  • 2,857sqft

17633 RUNNING DEER Trail, Surprise

17168 Running Deer Trail, Surprise, AZ, 85387 — assumable FHA mortgage at 7.44%
FHA
Active
43
$516,000Potential short sale
Rate
7.44%
7.28%today
Payment
$3,713/mo
$3,655today
  • 5beds
  • 3baths
  • 3,381sqft

17168 Running Deer Trail, Surprise

24757 170th Lane, Surprise, AZ, 85387 — assumable VA mortgage at 7.44%
VA
Active
51
$399,900$16,965 down
Rate
7.44%
7.28%today
Payment
$2,732/mo
$2,689today
  • 3beds
  • 2baths
  • 1,392sqft

24757 170th Lane, Surprise

16025 ALAMEDA Road, Surprise, AZ, 85387 — assumable FHA mortgage at 6.39%
FHA
Active
53
$507,900$43,747 down
Rate
6.39%
7.28%today
Payment
$3,014/mo
$3,300today
  • 3beds
  • 3baths
  • 2,040sqft

16025 ALAMEDA Road, Surprise

17543 BUCKHORN Trail, Surprise, AZ, 85387 — assumable FHA mortgage at 6.50%
FHA
Active
101
$440,000$24,985 down
Rate
6.50%
7.28%today
Payment
$2,669/mo
$2,889today
  • 4beds
  • 3baths
  • 2,697sqft

17543 BUCKHORN Trail, Surprise

18018 SAND HILLS Drive, Surprise, AZ, 85387 — assumable FHA mortgage at 6.50%
FHA
Active
33
$399,000$37,450 down
Rate
6.50%
7.28%today
Payment
$2,309/mo
$2,499today
  • 3beds
  • 2baths
  • 1,545sqft

18018 SAND HILLS Drive, Surprise

16873 FETLOCK Trail, Surprise, AZ, 85387 — assumable FHA mortgage at 6.60%
FHA
Active
57
$564,000$46,711 down
Rate
6.60%
7.28%today
Payment
$3,398/mo
$3,641today
  • 5beds
  • —baths
  • 3,241sqft

16873 FETLOCK Trail, Surprise

16233 CIELO GRANDE Avenue, Surprise, AZ, 85387 — assumable FHA mortgage at 6.65%
FHA
Active
30
$430,000$37,763 down
Rate
6.65%
7.28%today
Payment
$2,606/mo
$2,778today
  • 3beds
  • 3baths
  • 1,972sqft

16233 CIELO GRANDE Avenue, Surprise

17357 RUNNING DEER Trail, Surprise, AZ, 85387 — assumable FHA mortgage at 6.65%
FHA
Active
$400,000$20,763 down
Rate
6.65%
7.28%today
Payment
$2,534/mo
$2,701today
  • 4beds
  • 2baths
  • —sqft

17357 RUNNING DEER Trail, Surprise

26135 DESERT MESA Drive, Surprise, AZ, 85387 — assumable FHA mortgage at 6.67%
FHA
Active
42
$525,000$40,341 down
Rate
6.67%
7.28%today
Payment
$3,152/mo
$3,352today
  • 3beds
  • 2baths
  • 2,483sqft

26135 DESERT MESA Drive, Surprise

17345 SMOKETREE Drive, Surprise, AZ, 85387 — assumable FHA mortgage at 6.84%
FHA
Active
37
$539,000$34,749 down
Rate
6.84%
7.28%today
Payment
$3,336/mo
$3,487today
  • 4beds
  • 3baths
  • 2,105sqft

17345 SMOKETREE Drive, Surprise

26958 170TH Lane, Surprise, AZ, 85387 — assumable FHA mortgage at 6.90%
FHA
Active
37
$415,000$42,712 down
Rate
6.90%
7.28%today
Payment
$2,521/mo
$2,619today
  • 3beds
  • 2baths
  • 1,580sqft

26958 170TH Lane, Surprise

17068 MAYA Way, Surprise, AZ, 85387 — assumable VA mortgage at 6.90%
VA
Active
31
$410,000$18,381 down
Rate
6.90%
7.28%today
Payment
$2,652/mo
$2,755today
  • 3beds
  • 2baths
  • 1,897sqft

17068 MAYA Way, Surprise

Assuming a mortgage in Surprise

An assumable mortgage lets you buy the home and take over the seller’s existing FHA, VA or USDA loan—its rate, balance and remaining term included. Each listing above shows the existing rate and payment next to what the same loan would cost at today’s rates (about 7.28%), so you can see the saving before you tour. 1 of the 57 homes here are UMe-verified, meaning the loan terms have been confirmed with the servicer.

Lowest existing rate
2.83%
Lowest existing payment
$863 /mo
Median cash to assume
$51,569
Michelle Schmidt

Michelle Schmidt

Realtor License: SA651306000

West USA Realty

michelleschmidt@westusa.com+14088586027West USA Realty logo
Equal Housing Opportunity

West USA Realty is committed to and abides by the Fair Housing Act and Equal Opportunity. Listing data is refreshed daily from participating MLS feeds; existing loan terms are estimates until verified with the servicer.

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