Michelle Schmidt

Michelle Schmidt

(408) 858-6027

Assumable homes for sale in Surprise, AZ

37 homesVA & FHA loansrates from 2.12% vs 7.28% today

Surprise assumption guide
16176 STATLER Street, Surprise, AZ, 85374 — assumable VA mortgage at 3.10%
VA
Active
33
$450,000$89,045 down
Rate
3.10%
7.28%today
Payment
$1,708/mo
$2,737today
  • 6beds
  • 3baths
  • 2,166sqft

16176 STATLER Street, Surprise

14575 MOUNTAIN VIEW Boulevard #11220, Surprise, AZ, 85374 — assumable FHA mortgage at 2.81%
FHA
Active
47
$285,000$84,369 down
Rate
2.81%
7.28%today
Payment
$949/mo
$1,579today
  • 3beds
  • 2baths
  • —sqft

14575 MOUNTAIN VIEW Boulevard #11220, Surprise

15950 QUAIL CREEK Lane, Surprise, AZ, 85374 — assumable FHA mortgage at 3.76%
FHA
Active
28
$375,000$34,396 down
Rate
3.76%
7.28%today
Payment
$1,726/mo
$2,546today
  • 2beds
  • 2baths
  • 1,278sqft

15950 QUAIL CREEK Lane, Surprise

17200 BELL Road #487, Surprise, AZ, 85374 — assumable VA mortgage at 3.07%
VA
Active
29
$295,000$78,660 down
Rate
3.07%
7.28%today
Payment
$1,025/mo
$1,648today
  • —beds
  • —baths
  • —sqft

17200 BELL Road #487, Surprise

15121 WOODRIDGE Drive, Surprise, AZ, 85374 — assumable VA mortgage at 3.07%
VA
Active
30
$335,000$74,565 down
Rate
3.07%
7.28%today
Payment
$1,234/mo
$1,984today
  • 2beds
  • 2baths
  • 1,183sqft

15121 WOODRIDGE Drive, Surprise

16854 RIMROCK Street, Surprise, AZ, 85388 — assumable VA mortgage at 3.10%
VA
Active
39
$385,000$100,477 down
Rate
3.10%
7.28%today
Payment
$1,349/mo
$2,162today
  • 4beds
  • 3baths
  • 2,220sqft

16854 RIMROCK Street, Surprise

19925 TURQUOISE Point, Surprise, AZ, 85387 — assumable VA mortgage at 3.89%
VA
Active
64
$499,900$41,437 down
Rate
3.89%
7.28%today
Payment
$2,355/mo
$3,421today
  • 2beds
  • 2baths
  • 1,814sqft

19925 TURQUOISE Point, Surprise

15963 171ST Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 2.67%
FHA
Active
41
$399,000$136,194 down
Rate
2.67%
7.28%today
Payment
$1,222/mo
$2,069today
  • 3beds
  • 2baths
  • 1,670sqft

15963 171ST Drive, Surprise

15546 GELDING Drive, Surprise, AZ, 85379 — assumable VA mortgage at 2.84%
VA
Active
54
$504,999$175,416 down
Rate
2.84%
7.28%today
Payment
$1,529/mo
$2,532today
  • 4beds
  • 3baths
  • 3,659sqft

15546 GELDING Drive, Surprise

16904 VILLAGIO Drive, Surprise, AZ, 85387 — assumable VA mortgage at 2.88%
VA
Active
46
$760,000$286,752 down
Rate
2.88%
7.28%today
Payment
$2,272/mo
$3,745today
  • 3beds
  • 2baths
  • 2,334sqft

16904 VILLAGIO Drive, Surprise

17210 ELM Street, Surprise, AZ, 85388 — assumable VA mortgage at 2.12%
VA
Active
35
$449,500$271,456 down
Rate
2.12%
7.28%today
Payment
$1,636/mo
$2,305today
  • 3beds
  • 2baths
  • 1,746sqft

17210 ELM Street, Surprise

14660 158TH Lane, Surprise, AZ, 85379 — assumable FHA mortgage at 2.39%
FHA
Active
43
$556,000$311,744 down
Rate
2.39%
7.28%today
Payment
$2,342/mo
$3,238today
  • 5beds
  • 3baths
  • 2,660sqft

14660 158TH Lane, Surprise

15037 BOTTLE TREE Avenue, Surprise, AZ, 85374 — assumable FHA mortgage at 2.69%
FHA
Active
21
$359,000$199,932 down
Rate
2.69%
7.28%today
Payment
$1,143/mo
$1,679today
  • 3beds
  • 2baths
  • 1,234sqft

15037 BOTTLE TREE Avenue, Surprise

17200 BELL Road #1249, Surprise, AZ, 85374 — assumable FHA mortgage at 3.07%
FHA
Active
35
$279,000$143,843 down
Rate
3.07%
7.28%today
Payment
$640/mo
$1,030today
  • 2beds
  • 2baths
  • 1,016sqft

17200 BELL Road #1249, Surprise

17216 Desert Lane, Surprise, AZ, 85388 — assumable FHA mortgage at 3.72%
FHA
Active
32
$339,900$133,976 down
Rate
3.72%
7.28%today
Payment
$1,096/mo
$1,626today
  • 3beds
  • 2baths
  • 1,506sqft

17216 Desert Lane, Surprise

17271 SMOKEY Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 4.99%
FHA
Active
48
$410,000$36,579 down
Rate
4.99%
7.28%today
Payment
$2,135/mo
$2,725today
  • 3beds
  • 2baths
  • 1,640sqft

17271 SMOKEY Drive, Surprise

16845 TASHA Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 3.61%
FHA
Active
44
$399,900$178,167 down
Rate
3.61%
7.28%today
Payment
$1,176/mo
$1,767today
  • 4beds
  • 3baths
  • 2,255sqft

16845 TASHA Drive, Surprise

16645 173RD Avenue, Surprise, AZ, 85388 — assumable VA mortgage at 3.78%
VA
Active
51
$550,000$424,343 down
Rate
3.78%
7.28%today
Payment
$877/mo
$1,290today
  • 5beds
  • 4baths
  • 3,565sqft

16645 173RD Avenue, Surprise

17418 KIMBERLY Way, Surprise, AZ, 85374 — assumable FHA mortgage at 5.23%
FHA
Active
19
$485,000$92,091 down
Rate
5.23%
7.28%today
Payment
$2,310/mo
$2,868today
  • 4beds
  • 3baths
  • 2,337sqft

17418 KIMBERLY Way, Surprise

14575 MOUNTAIN VIEW Boulevard #612, Surprise, AZ, 85374 — assumable VA mortgage at 6.32%
VA
Active
18
$320,000Potential short sale
Rate
6.32%
7.28%today
Payment
$2,015/mo
$2,223today
  • 2beds
  • 2baths
  • 1,336sqft

14575 MOUNTAIN VIEW Boulevard #612, Surprise

16924 STEVENAGE Street, Surprise, AZ, 85374 — assumable VA mortgage at 6.44%
VA
Active
42
$399,900$16,035 down
Rate
6.44%
7.28%today
Payment
$2,459/mo
$2,678today
  • 3beds
  • 2baths
  • 1,447sqft

16924 STEVENAGE Street, Surprise

14839 172ND Lane, Surprise, AZ, 85388 — assumable VA mortgage at 6.65%
VA
Active
29
$420,000$18,190 down
Rate
6.65%
7.28%today
Payment
$2,620/mo
$2,793today
  • 4beds
  • 2baths
  • 1,615sqft

14839 172ND Lane, Surprise

16322 171ST Drive, Surprise, AZ, 85388 — assumable VA mortgage at 6.81%
VA
Active
56
$499,999$15,162 down
Rate
6.81%
7.28%today
Payment
$3,198/mo
$3,353today
  • 4beds
  • 3baths
  • 2,839sqft

16322 171ST Drive, Surprise

15243 SPRINGLEAF Way, Surprise, AZ, 85374 — assumable VA mortgage at 7.63%
VA
Active
49
$415,000$18,407 down
Rate
7.63%
7.28%today
Payment
$2,882/mo
$2,785today
  • 2beds
  • 2baths
  • —sqft

15243 SPRINGLEAF Way, Surprise

16180 158TH Avenue, Surprise, AZ, 85374 — assumable VA mortgage at 6.43%
VA
Active
40
$549,700$49,724 down
Rate
6.43%
7.28%today
Payment
$3,263/mo
$3,558today
  • 3beds
  • 3baths
  • —sqft

16180 158TH Avenue, Surprise

14727 LUPINE Lane, Surprise, AZ, 85374 — assumable FHA mortgage at 6.54%
FHA
Active
51
$489,000$17,136 down
Rate
6.54%
7.28%today
Payment
$3,116/mo
$3,359today
  • 4beds
  • 3baths
  • 2,337sqft

14727 LUPINE Lane, Surprise

14911 PORT ROYALE Lane, Surprise, AZ, 85379 — assumable VA mortgage at 6.85%
VA
Active
60
$375,000$32,461 down
Rate
6.85%
7.28%today
Payment
$2,281/mo
$2,382today
  • 3beds
  • 2baths
  • —sqft

14911 PORT ROYALE Lane, Surprise

14575 MOUNTAIN VIEW Boulevard #11208, Surprise, AZ, 85374 — assumable FHA mortgage at 6.12%
FHA
Active
43
$255,000$39,947 down
Rate
6.12%
7.28%today
Payment
$1,335/mo
$1,504today
  • 2beds
  • 2baths
  • 1,289sqft

14575 MOUNTAIN VIEW Boulevard #11208, Surprise

18100 CATHERINE Drive, Surprise, AZ, 85374 — assumable FHA mortgage at 6.50%
FHA
Active
30
$429,500$58,483 down
Rate
6.50%
7.28%today
Payment
$2,381/mo
$2,577today
  • 3beds
  • 3baths
  • 1,935sqft

18100 CATHERINE Drive, Surprise

17626 168TH Drive, Surprise, AZ, 85374 — assumable VA mortgage at 6.58%
VA
Active
29
$400,000$72,831 down
Rate
6.58%
7.28%today
Payment
$2,179/mo
$2,339today
  • 3beds
  • 2baths
  • 1,679sqft

17626 168TH Drive, Surprise

17002 STEVENAGE Street, Surprise, AZ, 85374 — assumable FHA mortgage at 6.11%
FHA
Active
26
$399,999$90,404 down
Rate
6.11%
7.28%today
Payment
$1,975/mo
$2,228today
  • 3beds
  • 2baths
  • 1,447sqft

17002 STEVENAGE Street, Surprise

16549 ARROYO Court, Surprise, AZ, 85374 — assumable VA mortgage at 6.19%
VA
Active
65
$799,000$164,877 down
Rate
6.19%
7.28%today
Payment
$3,910/mo
$4,373today
  • 3beds
  • 2baths
  • 2,282sqft

16549 ARROYO Court, Surprise

16387 MONTE CRISTO Avenue, Surprise, AZ, 85388 — assumable FHA mortgage at 6.91%
FHA
Active
38
$389,000$134,132 down
Rate
6.91%
7.28%today
Payment
$1,707/mo
$1,772today
  • 3beds
  • 2baths
  • 1,825sqft

16387 MONTE CRISTO Avenue, Surprise

16740 153RD Drive, Surprise, AZ, 85374 — assumable FHA mortgage at 6.09%
FHA
Active
12
$365,000$3,786 down
Rate
6.09%
7.28%today
Payment
$2,288/mo
$2,587today
  • 4beds
  • 3baths
  • 1,970sqft

16740 153RD Drive, Surprise

17200 BELL Road #624, Surprise, AZ, 85374 — assumable FHA mortgage at 6.50%
FHA
Active
25
$190,000$112,582 down
Rate
6.50%
7.28%today
Payment
$840/mo
$909today
  • 1beds
  • 1baths
  • 595sqft

17200 BELL Road #624, Surprise

14559 MORNING STAR Trail, Surprise, AZ, 85374 — assumable FHA mortgage at 6.82%
FHA
Active
43
$375,000$285,688 down
Rate
6.82%
7.28%today
Payment
$598/mo
$627today
  • 2beds
  • 2baths
  • —sqft

14559 MORNING STAR Trail, 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.

Lowest existing rate
2.12%
Lowest existing payment
$598 /mo
Median cash to assume
$89,045
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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