Michelle Schmidt

Michelle Schmidt

(408) 858-6027

Assumable homes for sale in Surprise, AZ

36 homesVA & FHA loansrates from 2.25% vs 7.28% today

Surprise assumption guide
14404 WETHERSFIELD Road, Surprise, AZ, 85379 — assumable VA mortgage at 3.10%
VATop pick
Active
36
$599,000$10,965 down
Rate
3.10%
7.28%today
Payment
$2,783/mo
$4,459today
  • 4beds
  • 4baths
  • 3,064sqft

14404 WETHERSFIELD Road, Surprise

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

15762 CHERYL Drive, Waddell, AZ, 85355 — assumable VA mortgage at 3.49%
VA
Active
45
$568,900$46,518 down
Rate
3.49%
7.28%today
Payment
$2,377/mo
$3,626today
  • 3beds
  • 3baths
  • 2,507sqft

15762 CHERYL Drive, Waddell

15792 DESERT MIRAGE Drive, Surprise, AZ, 85379 — assumable VA mortgage at 2.25%
VA
Active
29
$625,000$177,027 down
Rate
2.25%
7.28%today
Payment
$1,983/mo
$3,550today
  • 5beds
  • 3baths
  • 3,924sqft

15792 DESERT MIRAGE 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

15760 Boca Raton Road, Surprise, AZ, 85379 — assumable FHA mortgage at 2.94%
FHA
Active
62
$472,900$182,260 down
Rate
2.94%
7.28%today
Payment
$1,401/mo
$2,292today
  • 3beds
  • 3baths
  • 2,481sqft

15760 Boca Raton Road, Surprise

14121 SURREY Drive, Surprise, AZ, 85379 — assumable FHA mortgage at 3.24%
FHA
Active
44
$450,000$179,830 down
Rate
3.24%
7.28%today
Payment
$1,354/mo
$2,131today
  • 4beds
  • 3baths
  • 2,027sqft

14121 SURREY Drive, 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

14665 CORRINE Drive, Surprise, AZ, 85379 — assumable VA mortgage at 2.90%
VA
Active
75
$599,999$282,635 down
Rate
2.90%
7.28%today
Payment
$1,489/mo
$2,447today
  • 3beds
  • 3baths
  • 2,506sqft

14665 CORRINE Drive, Surprise

16259 CORTEZ Street, Surprise, AZ, 85379 — assumable VA mortgage at 2.94%
VA
Active
27
$597,000$275,111 down
Rate
2.94%
7.28%today
Payment
$1,548/mo
$2,532today
  • 4beds
  • 3baths
  • 2,922sqft

16259 CORTEZ Street, Surprise

16220 CROCUS Drive, Surprise, AZ, 85379 — assumable FHA mortgage at 3.45%
FHA
Active
54
$425,000$214,868 down
Rate
3.45%
7.28%today
Payment
$1,081/mo
$1,658today
  • 3beds
  • 2baths
  • 1,853sqft

16220 CROCUS Drive, Surprise

15784 CROCUS Drive, Surprise, AZ, 85379 — assumable FHA mortgage at 3.46%
FHA
Active
18
$415,000$272,577 down
Rate
3.46%
7.28%today
Payment
$816/mo
$1,250today
  • 3beds
  • 2baths
  • 1,756sqft

15784 CROCUS Drive, Surprise

14076 138TH Lane, Surprise, AZ, 85379 — assumable FHA mortgage at 3.47%
FHA
Active
34
$439,999$405,084 down
Rate
3.47%
7.28%today
Payment
$199/mo
$305today
  • 3beds
  • 2baths
  • 1,921sqft

14076 138TH Lane, Surprise

14528 CAMERON Drive, Surprise, AZ, 85379 — assumable VA mortgage at 3.55%
VA
Active
73
$620,000$510,324 down
Rate
3.55%
7.28%today
Payment
$744/mo
$1,126today
  • 4beds
  • 3baths
  • 3,282sqft

14528 CAMERON Drive, Surprise

15756 REDFIELD Road, Surprise, AZ, 85379 — assumable VA mortgage at 3.70%
VA
Active
23
$419,777$279,197 down
Rate
3.70%
7.28%today
Payment
$749/mo
$1,113today
  • 4beds
  • 3baths
  • —sqft

15756 REDFIELD Road, Surprise

13633 LISBON Lane, Surprise, AZ, 85379 — assumable FHA mortgage at 4.14%
FHA
Active
47
$449,900$209,439 down
Rate
4.14%
7.28%today
Payment
$1,358/mo
$1,914today
  • 4beds
  • 3baths
  • 2,950sqft

13633 LISBON Lane, Surprise

15439 DREYFUS Street, Surprise, AZ, 85379 — assumable VA mortgage at 6.46%
VA
Active
63
$450,000Potential short sale
Rate
6.46%
7.28%today
Payment
$3,114/mo
$3,385today
  • 4beds
  • 3baths
  • 2,334sqft

15439 DREYFUS Street, Surprise

14739 WATSON Lane, Surprise, AZ, 85379 — assumable VA mortgage at 6.50%
VA
Active
43
$374,900Potential short sale
Rate
6.50%
7.28%today
Payment
$2,517/mo
$2,724today
  • 3beds
  • 2baths
  • 1,603sqft

14739 WATSON Lane, Surprise

14242 COUNTRY GABLES Drive, Surprise, AZ, 85379 — assumable FHA mortgage at 6.50%
FHA
Active
39
$329,900$12,702 down
Rate
6.50%
7.28%today
Payment
$2,048/mo
$2,217today
  • 3beds
  • 3baths
  • 1,375sqft

14242 COUNTRY GABLES Drive, Surprise

15749 BERYL Avenue, Waddell, AZ, 85355 — assumable FHA mortgage at 6.50%
FHA
Active
24
$489,000Potential short sale
Rate
6.50%
7.28%today
Payment
$3,165/mo
$3,426today
  • 4beds
  • 3baths
  • 2,222sqft

15749 BERYL Avenue, Waddell

14600 Valentine Street, Surprise, AZ, 85379 — assumable VA mortgage at 6.72%
VA
Active
42
$407,000Potential short sale
Rate
6.72%
7.28%today
Payment
$2,671/mo
$2,826today
  • 3beds
  • 2baths
  • 1,374sqft

14600 Valentine Street, Surprise

15582 CORTEZ Street, Surprise, AZ, 85379 — assumable VA mortgage at 5.22%
VA
Active
41
$580,000$123,564 down
Rate
5.22%
7.28%today
Payment
$2,668/mo
$3,317today
  • 4beds
  • 4baths
  • 3,950sqft

15582 CORTEZ Street, Surprise

12729 145TH Drive, Surprise, AZ, 85379 — assumable FHA mortgage at 5.23%
FHA
Active
32
$530,000$122,787 down
Rate
5.23%
7.28%today
Payment
$2,394/mo
$2,973today
  • 4beds
  • 3baths
  • 2,192sqft

12729 145TH Drive, Surprise

14594 COLUMBINE Drive, Surprise, AZ, 85379 — assumable VA mortgage at 6.11%
VA
Active
24
$450,000$38,523 down
Rate
6.11%
7.28%today
Payment
$2,506/mo
$2,826today
  • 3beds
  • 2baths
  • 1,744sqft

14594 COLUMBINE Drive, Surprise

15338 BOCA RATON Road, Surprise, AZ, 85379 — assumable FHA mortgage at 6.32%
FHA
Active
40
$414,900$33,763 down
Rate
6.32%
7.28%today
Payment
$2,467/mo
$2,721today
  • 3beds
  • 2baths
  • 1,512sqft

15338 BOCA RATON Road, Surprise

13485 145th Drive, Surprise, AZ, 85379 — assumable FHA mortgage at 6.39%
FHA
Active
28
$542,500$50,438 down
Rate
6.39%
7.28%today
Payment
$3,195/mo
$3,498today
  • 3beds
  • 2baths
  • 1,909sqft

13485 145th Drive, 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

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

15864 SHAW BUTTE Drive, Surprise, AZ, 85379 — assumable VA mortgage at 6.94%
VA
Active
49
$700,000$66,336 down
Rate
6.94%
7.28%today
Payment
$4,298/mo
$4,447today
  • 6beds
  • 4baths
  • 4,034sqft

15864 SHAW BUTTE Drive, Surprise

13784 COUNTRY GABLES Drive, Surprise, AZ, 85379 — assumable VA mortgage at 7.02%
VA
Active
51
$472,000$29,610 down
Rate
7.02%
7.28%today
Payment
$3,015/mo
$3,095today
  • 3beds
  • 3baths
  • 2,387sqft

13784 COUNTRY GABLES Drive, Surprise

13740 BANFF Lane, Surprise, AZ, 85379 — assumable FHA mortgage at 6.27%
FHA
Active
9
$499,950$70,510 down
Rate
6.27%
7.28%today
Payment
$2,772/mo
$3,074today
  • 4beds
  • 3baths
  • —sqft

13740 BANFF Lane, Surprise

15276 LAUREL Lane, Surprise, AZ, 85379 — assumable VA mortgage at 6.94%
VA
Active
52
$399,900$33,240 down
Rate
6.94%
7.28%today
Payment
$2,480/mo
$2,566today
  • 3beds
  • 2baths
  • 1,584sqft

15276 LAUREL Lane, Surprise

15561 GELDING Drive, Surprise, AZ, 85379 — assumable FHA mortgage at 7.31%
FHA
Active
37
$489,000$142,875 down
Rate
7.31%
7.28%today
Payment
$2,444/mo
$2,437today
  • 4beds
  • 3baths
  • 2,408sqft

15561 GELDING Drive, 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

13926 156TH Lane, Surprise, AZ, 85379 — assumable FHA mortgage at 7.22%
FHA
Active
45
$400,000$386,665 down
Rate
7.22%
7.28%today
Payment
$86/mo
$86today
  • 4beds
  • 3baths
  • 2,645sqft

13926 156TH Lane, 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
2.25%
Lowest existing payment
$744 /mo
Median cash to assume
$123,564
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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