2.81% FHA
$299,900
$642/mo
640 29TH Drive
Show Low, AZ
3 bd2 ba1,281 sqft
Lakeside, Arizona
Keep the rate.
Buy the home in Lakeside.
3 assumable homes for sale in Lakeside, with locked rates from 3.51%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
5.41%
vs 7.2% market
$593/mo saved
Median locked rate
5.41%
Across 3 assumable listings
Typical monthly savings
$593
On a $510,000 home vs 7.2%
Certified listings
0
Loan terms confirmed with the listing agent
Loan types
VA · FHA
Government-backed loans are assumable by law
Verified in Lakeside
Homes with a rate worth keeping
2.93% FHA
$149,000
$246/mo
640 43RD Avenue
Show Low, AZ
1 bd1 ba673 sqft
3.16% VA
$559,900
$1,114/mo
1862 MARYANNE Road
Show Low, AZ
3 bd3 ba1,856 sqft
3.51% VA
$1,100,000
$3,087/mo
6019 RIM Road
Lakeside, AZ
5 bd4 ba3,519 sqft
6.26% VA
$539,900
$3,090/mo
7082 TUMBLEWEED Trail
Show Low, AZ
3 bd2 ba2,177 sqft
6.50% VA
$399,900
$2,435/mo
601 MILLS --
Show Low, AZ
3 bd2 ba1,668 sqft
Inventory snapshot
What’s assumable in Lakeside right now
Live counts from the MLS feeds we index for Arizona. Updated August 2026.
- Active listings
- 3
- Certified / verified
- 0
- Lowest rate
- 3.51%
- Median rate
- 5.41%
- Median list price
- $510,000
- Median cash to assume
- $120,092
Listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up1 home
Listings by loan type
- VA2 homesmedian 5.05%
- FHA1 homemedian 5.41%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Lakeside 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
- Florence63
- Avondale57
- Queen Creek55
- Apache Junction54
- Litchfield Park54
- Scottsdale53
- Laveen52
- Prescott50
- Prescott Valley49
- Sun City49
- Tolleson41
Run your numbers
The cost of waiting in Lakeside.
A 7.2% new loan against an assumable one at 5.41%, same balance, 30 years.
You keep every month
$476/mo
Over a year$5,710
Monthly payment, side by side
7.2% vs 5.41%
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 Lakeside
Numbers below come from current Lakeside inventory and update as listings change.
- How many assumable homes are for sale in Lakeside?
- As of August 2026, UMe tracks 3 active assumable listings in Lakeside. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Lakeside?
- Current Lakeside inventory breaks down as VA (2, median 5.05%) and FHA (1, median 5.41%). 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 Lakeside right now?
- The lowest rate on an active Lakeside assumable listing is 3.51%, and the median across all 3 listings is 5.41%. 1 listing is under 4% and 1 is under 5%, compared with roughly 7.2% for a new 30-year loan today.
- How much can I save with a mortgage assumption in Lakeside?
- Across current Lakeside listings, the median principal-and-interest payment on the assumable loan is $2,406 per month versus $2,999 for the same balance at today's rates, a difference of about $593 every month, or $7,110 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 Lakeside?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Lakeside that gap is currently a median of $120,092 on a median list price of $510,000. 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 Lakeside ZIP codes have the most assumable homes?
- The Lakeside ZIP codes with the most active assumable listings are 85929 (3). 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 Lakeside?
- 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 Lakeside.
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.
