Lauren Rosin

Lauren Rosin

(480) 744-4604

Assumable homes for sale in Surprise, AZ

35 homesVA & FHA loansrates from 2.12% vs 7.32% today

Surprise assumption guide
11531 JEROME Street, Surprise, AZ, 85388 — assumable VA mortgage at 3.14%
VATop pick
Active
71
$574,850Potential short sale
Rate
3.14%
7.32%today
Payment
$2,824/mo
$4,519today
  • 2beds
  • 3baths
  • 2,289sqft

11531 JEROME Street, Surprise

18031 UDALL Drive, Surprise, AZ, 85374 — assumable FHA mortgage at 2.87%
FHA
Active
30
$326,900$39,511 equity gap
Rate
2.87%
7.32%today
Payment
$1,343/mo
$2,226today
  • 1beds
  • 2baths
  • 1,270sqft

18031 UDALL Drive, Surprise

17611 CALAVAR Road, Surprise, AZ, 85388 — assumable FHA mortgage at 3.55%
FHA
Active
37
$399,900$7,271 equity gap
Rate
3.55%
7.32%today
Payment
$1,952/mo
$2,968today
  • 5beds
  • 3baths
  • 2,425sqft

17611 CALAVAR Road, Surprise

16176 STATLER Street, Surprise, AZ, 85374 — assumable VA mortgage at 3.10%
VA
Active
33
$450,000$89,821 equity gap
Rate
3.10%
7.32%today
Payment
$1,708/mo
$2,748today
  • 6beds
  • 3baths
  • 2,166sqft

16176 STATLER Street, Surprise

17226 185TH Lane, Surprise, AZ, 85374 — assumable VA mortgage at 2.96%
VA
Active
27
$346,000$88,601 equity gap
Rate
2.96%
7.32%today
Payment
$1,221/mo
$1,999today
  • 3beds
  • 3baths
  • 1,692sqft

17226 185TH Lane, Surprise

16854 RIMROCK Street, Surprise, AZ, 85388 — assumable VA mortgage at 3.10%
VA
Active
39
$385,000$100,477 equity gap
Rate
3.10%
7.32%today
Payment
$1,349/mo
$2,171today
  • 4beds
  • 3baths
  • 2,220sqft

16854 RIMROCK Street, Surprise

15963 171ST Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 2.67%
FHA
Active
41
$399,000$136,194 equity gap
Rate
2.67%
7.32%today
Payment
$1,222/mo
$2,077today
  • 3beds
  • 2baths
  • 1,670sqft

15963 171ST Drive, Surprise

17210 ELM Street, Surprise, AZ, 85388 — assumable VA mortgage at 2.12%
VA
Active
35
$449,500$272,777 equity gap
Rate
2.12%
7.32%today
Payment
$1,636/mo
$2,310today
  • 3beds
  • 2baths
  • 1,746sqft

17210 ELM Street, Surprise

17086 184TH Drive, Surprise, AZ, 85374 — assumable VA mortgage at 2.87%
VA
Active
33
$386,000$200,132 equity gap
Rate
2.87%
7.32%today
Payment
$887/mo
$1,470today
  • 3beds
  • 3baths
  • 2,509sqft

17086 184TH Drive, Surprise

17248 SMOKEY Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 2.88%
FHA
Active
42
$365,000$219,204 equity gap
Rate
2.88%
7.32%today
Payment
$697/mo
$1,153today
  • 3beds
  • 2baths
  • 1,485sqft

17248 SMOKEY Drive, Surprise

16259 CORTEZ Street, Surprise, AZ, 85379 — assumable VA mortgage at 2.94%
VA
Active
27
$587,000$265,111 equity gap
Rate
2.94%
7.32%today
Payment
$1,548/mo
$2,542today
  • 4beds
  • 3baths
  • 2,922sqft

16259 CORTEZ Street, Surprise

17664 TASHA Drive, Surprise, AZ, 85388 — assumable VA mortgage at 3.07%
VA
Active
46
$475,000$217,043 equity gap
Rate
3.07%
7.32%today
Payment
$1,217/mo
$1,965today
  • 4beds
  • 3baths
  • 3,077sqft

17664 TASHA Drive, Surprise

17949 UDALL Drive, Surprise, AZ, 85374 — assumable VA mortgage at 3.12%
VA
Active
65
$562,000$236,585 equity gap
Rate
3.12%
7.32%today
Payment
$1,543/mo
$2,476today
  • 2beds
  • 3baths
  • 2,363sqft

17949 UDALL Drive, Surprise

17216 Desert Lane, Surprise, AZ, 85388 — assumable FHA mortgage at 3.72%
FHA
Active
32
$339,900$133,976 equity gap
Rate
3.72%
7.32%today
Payment
$1,096/mo
$1,632today
  • 3beds
  • 2baths
  • 1,506sqft

17216 Desert Lane, Surprise

16433 MESCAL Street, Surprise, AZ, 85388 — assumable FHA mortgage at 5.22%
FHA
Active
44
$405,000Potential short sale
Rate
5.22%
7.32%today
Payment
$2,464/mo
$3,076today
  • 4beds
  • 2baths
  • 2,348sqft

16433 MESCAL Street, Surprise

17271 SMOKEY Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 4.99%
FHA
Active
48
$399,000$25,579 equity gap
Rate
4.99%
7.32%today
Payment
$2,135/mo
$2,736today
  • 3beds
  • 2baths
  • 1,640sqft

17271 SMOKEY Drive, Surprise

18049 IVY Lane, Surprise, AZ, 85388 — assumable FHA mortgage at 3.62%
FHA
Active
48
$579,900$427,005 equity gap
Rate
3.62%
7.32%today
Payment
$1,042/mo
$1,571today
  • 6beds
  • 4baths
  • 3,297sqft

18049 IVY Lane, Surprise

16645 173RD Avenue, Surprise, AZ, 85388 — assumable VA mortgage at 3.78%
VA
Active
51
$550,000$424,343 equity gap
Rate
3.78%
7.32%today
Payment
$877/mo
$1,295today
  • 5beds
  • 4baths
  • 3,565sqft

16645 173RD Avenue, Surprise

16819 Statler Street, Surprise, AZ, 85388 — assumable VA mortgage at 3.78%
VA
Active
48
$359,900$266,326 equity gap
Rate
3.78%
7.32%today
Payment
$536/mo
$792today
  • 3beds
  • 2baths
  • 1,471sqft

16819 Statler Street, Surprise

17732 MANDALAY Lane, Surprise, AZ, 85388 — assumable FHA mortgage at 3.96%
FHA
Active
45
$330,000$198,879 equity gap
Rate
3.96%
7.32%today
Payment
$805/mo
$1,164today
  • 3beds
  • 3baths
  • 1,344sqft

17732 MANDALAY Lane, Surprise

12423 174TH Lane, Surprise, AZ, 85388 — assumable FHA mortgage at 5.30%
FHA
Active
34
$399,900$43,275 equity gap
Rate
5.30%
7.32%today
Payment
$2,114/mo
$2,616today
  • 3beds
  • 2baths
  • 1,487sqft

12423 174TH Lane, Surprise

17313 WOOD Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 6.42%
FHA
Active
51
$475,000$6,474 equity gap
Rate
6.42%
7.32%today
Payment
$3,058/mo
$3,352today
  • 4beds
  • 3baths
  • 2,774sqft

17313 WOOD Drive, Surprise

16322 171ST Drive, Surprise, AZ, 85388 — assumable VA mortgage at 6.81%
VA
Active
56
$499,999$15,162 equity gap
Rate
6.81%
7.32%today
Payment
$3,198/mo
$3,366today
  • 4beds
  • 3baths
  • 2,839sqft

16322 171ST Drive, Surprise

13208 174TH Drive, Surprise, AZ, 85388 — assumable VA mortgage at 7.10%
VA
Active
40
$475,000$22,859 equity gap
Rate
7.10%
7.32%today
Payment
$3,112/mo
$3,180today
  • 4beds
  • 3baths
  • 2,136sqft

13208 174TH Drive, Surprise

11001 MCKINNEY Street, Surprise, AZ, 85388 — assumable VA mortgage at 5.25%
VA
Active
89
$1,399,000$307,066 equity gap
Rate
5.25%
7.32%today
Payment
$6,058/mo
$7,536today
  • 2beds
  • 3baths
  • 2,657sqft

11001 MCKINNEY Street, Surprise

17334 PERSHING Street, Surprise, AZ, 85388 — assumable FHA mortgage at 7.57%
FHA
Active
38
$507,900$27,212 equity gap
Rate
7.57%
7.32%today
Payment
$3,484/mo
$3,399today
  • 4beds
  • 3baths
  • 2,774sqft

17334 PERSHING Street, Surprise

17758 Redfield Road, Surprise, AZ, 85388 — assumable FHA mortgage at 6.65%
FHA
Active
15
$359,999$53,605 equity gap
Rate
6.65%
7.32%today
Payment
$1,996/mo
$2,136today
  • 3beds
  • 2baths
  • 1,353sqft

17758 Redfield Road, Surprise

11472 168TH Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 6.78%
FHA
Active
39
$530,000$61,827 equity gap
Rate
6.78%
7.32%today
Payment
$3,153/mo
$3,329today
  • 4beds
  • 3baths
  • 2,352sqft

11472 168TH Drive, Surprise

17302 GRETNA Street, Surprise, AZ, 85388 — assumable VA mortgage at 6.50%
VA
Active
46
$1,050,000$311,413 equity gap
Rate
6.50%
7.32%today
Payment
$4,717/mo
$5,126today
  • 6beds
  • 5baths
  • 3,765sqft

17302 GRETNA Street, Surprise

13500 174TH Lane, Surprise, AZ, 85388 — assumable VA mortgage at 6.95%
VA
Active
52
$440,000$109,806 equity gap
Rate
6.95%
7.32%today
Payment
$2,280/mo
$2,366today
  • 3beds
  • 2baths
  • 1,758sqft

13500 174TH Lane, Surprise

13500 174TH Lane, Surprise, AZ, 85388 — assumable VA mortgage at 6.95%
VA
Active
44
$429,000$98,806 equity gap
Rate
6.95%
7.32%today
Payment
$2,280/mo
$2,366today
  • 3beds
  • 2baths
  • 1,758sqft

13500 174TH Lane, Surprise

17763 REDFIELD Road, Surprise, AZ, 85388 — assumable VA mortgage at 7.44%
VA
Active
43
$420,000$89,106 equity gap
Rate
7.44%
7.32%today
Payment
$2,363/mo
$2,335today
  • 3beds
  • 2baths
  • 1,485sqft

17763 REDFIELD Road, Surprise

16387 MONTE CRISTO Avenue, Surprise, AZ, 85388 — assumable FHA mortgage at 6.91%
FHA
Active
38
$389,000$134,132 equity gap
Rate
6.91%
7.32%today
Payment
$1,707/mo
$1,779today
  • 3beds
  • 2baths
  • 1,825sqft

16387 MONTE CRISTO Avenue, Surprise

17789 COLUMBINE Drive, Surprise, AZ, 85388 — assumable FHA mortgage at 5.88%
FHA
Active
48
$539,900$382,493 equity gap
Rate
5.88%
7.32%today
Payment
$1,549/mo
$1,797today
  • 6beds
  • 4baths
  • 3,989sqft

17789 COLUMBINE Drive, Surprise

17940 DESERT Lane, Surprise, AZ, 85388 — assumable FHA mortgage at 6.64%
FHA
Active
42
$549,999$261,541 equity gap
Rate
6.64%
7.32%today
Payment
$1,879/mo
$2,013today
  • 4beds
  • 3baths
  • 3,300sqft

17940 DESERT 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 7.32%), so you can see the saving before you tour.

Lowest existing rate
2.12%
Lowest existing payment
$536 /mo
Median cash to assume
$133,976
Lauren Rosin

Lauren Rosin

Realtor License: BR558852000

Rosin Team eXp Realty

lauren@rosinteam.com+14807444604Rosin Team eXp Realty logo
eXp Realty logo

eXp Realty

Equal Housing Opportunity

Rosin Team eXp 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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