3.45% FHA
$235,000
$1,173/mo
2542 PALO VERDE Drive
Florence, AZ
3 bd2 ba1,313 sqft
Florence, Arizona
Keep the rate.
Buy the home in Florence.
63 assumable homes for sale in Florence, with locked rates from 2.84%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.16%
vs 7.2% market
$475/mo saved
Median locked rate
6.16%
Across 63 assumable listings
Typical monthly savings
$475
On a $330,000 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 Florence
Homes with a rate worth keeping
2.87% FHA
$329,990
$1,317/mo
24647 Corn Street
Florence, AZ
4 bd2 ba1,689 sqft
2.94% FHA
$339,000
$1,360/mo
6790 QUIET RETREAT --
Florence, AZ
4 bd3 ba2,220 sqft
3.06% FHA
$320,000
$1,377/mo
3902 PINTO VALLEY Road
San Tan Valley, AZ
4 bd2 ba1,699 sqft
3.07% VA
$385,000
$1,616/mo
5630 PATRIOT Way
Florence, AZ
4 bd2 ba2,133 sqft
2.84% VA
$345,000
$1,117/mo
79 CENTRAL Avenue
Florence, AZ
3 bd2 ba1,522 sqft
Inventory snapshot
What’s assumable in Florence right now
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 63
- Certified / verified
- 0
- Lowest rate
- 2.84%
- Median rate
- 6.16%
- Median list price
- $330,000
- Median cash to assume
- $101,275
Listings by locked rate
- Under 4%22 homes
- 4% – 5%3 homes
- 5% – 6%3 homes
- 6% and up34 homes
Listings by loan type
- FHA48 homesmedian 6.36%
- VA15 homesmedian 3.13%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Florence ZIP code
Nearby markets
More assumable homes in Arizona
- Phoenix504
- Mesa248
- Buckeye229
- Surprise198
- San Tan Valley185
- Maricopa170
- Casa Grande115
- Goodyear115
- Glendale113
- Peoria105
- Sierra Vista79
- Gilbert76
- Chandler65
- Avondale57
- Queen Creek55
- Apache Junction54
- Litchfield Park54
- Scottsdale53
- Laveen52
- Prescott50
- Prescott Valley49
- Sun City49
- Tolleson41
- Aguila
Run your numbers
The cost of waiting in Florence.
A 7.2% new loan against an assumable one at 6.16%, same balance, 30 years.
You keep every month
$182/mo
Over a year$2,183
Monthly payment, side by side
7.2% vs 6.16%
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 Florence
Numbers below come from current Florence inventory and update as listings change.
- How many assumable homes are for sale in Florence?
- As of September 2026, UMe tracks 63 active assumable listings in Florence. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Florence?
- Current Florence inventory breaks down as FHA (48, median 6.36%) and VA (15, median 3.13%). 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 Florence right now?
- The lowest rate on an active Florence assumable listing is 2.84%, and the median across all 63 listings is 6.16%. 22 listings are under 4% and 25 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 Florence?
- Across current Florence listings, the median principal-and-interest payment on the assumable loan is $1,492 per month versus $1,967 for the same balance at today's rates, a difference of about $475 every month, or $5,695 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 Florence?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Florence that gap is currently a median of $101,275 on a median list price of $330,000. 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 Florence ZIP codes have the most assumable homes?
- The Florence ZIP codes with the most active assumable listings are 85132 (63). 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 Florence?
- 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 Florence.
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.
