2.70% VA
$115,000
$470/mo
1560 Opal Lane
Bullhead City, AZ
3 bd2 ba1,356 sqft
Bullhead City, Arizona
Keep the rate.
Buy the home in Bullhead City.
35 assumable homes for sale in Bullhead City, with locked rates from 2.68%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
3.84%
vs 7.2% market
$575/mo saved
Median locked rate
3.84%
Across 35 assumable listings
Typical monthly savings
$575
On a $289,900 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 Bullhead City
Homes with a rate worth keeping
2.87% FHA
$412,000
$1,502/mo
2101 Mesa Vista Place
Fort Mohave, AZ
3 bd2 ba2,155 sqft
2.98% FHA
$330,000
$1,301/mo
2850 Country Club Drive
Bullhead City, AZ
3 bd3 ba2,010 sqft
3.14% VA
$294,900
$1,191/mo
3078 Milano Drive
Bullhead City, AZ
2 bd2 ba1,355 sqft
2.74% VA
$389,000
$1,315/mo
489 Wagon Wheel Drive Drive
Bullhead City, AZ
3 bd2 ba1,893 sqft
2.74% FHA
$339,900
$1,181/mo
5532 Club House Court
Fort Mohave, AZ
3 bd2 ba1,816 sqft
Inventory snapshot
What’s assumable in Bullhead City right now
Live counts from the MLS feeds we index for Arizona. Updated September 2026.
- Active listings
- 35
- Certified / verified
- 0
- Lowest rate
- 2.68%
- Median rate
- 3.84%
- Median list price
- $289,900
- Median cash to assume
- $62,522
Listings by locked rate
- Under 4%19 homes
- 4% – 5%0 homes
- 5% – 6%4 homes
- 6% and up12 homes
Listings by loan type
- VA20 homesmedian 3.60%
- FHA15 homesmedian 5.22%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Bullhead City 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
- Kingman63
- Avondale57
- Queen Creek55
- Apache Junction54
- Litchfield Park54
- Scottsdale53
- Laveen52
- Prescott50
- Prescott Valley49
- Sun City49
Run your numbers
The cost of waiting in Bullhead City.
A 7.2% new loan against an assumable one at 3.84%, same balance, 30 years.
You keep every month
$488/mo
Over a year$5,862
Monthly payment, side by side
7.2% vs 3.84%
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 Bullhead City
Numbers below come from current Bullhead City inventory and update as listings change.
- How many assumable homes are for sale in Bullhead City?
- As of September 2026, UMe tracks 35 active assumable listings in Bullhead City. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Bullhead City?
- Current Bullhead City inventory breaks down as VA (20, median 3.60%) and FHA (15, median 5.22%). 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 Bullhead City right now?
- The lowest rate on an active Bullhead City assumable listing is 2.68%, and the median across all 35 listings is 3.84%. 19 listings are under 4% and 19 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 Bullhead City?
- Across current Bullhead City listings, the median principal-and-interest payment on the assumable loan is $1,130 per month versus $1,706 for the same balance at today's rates, a difference of about $575 every month, or $6,906 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 Bullhead City?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Bullhead City that gap is currently a median of $62,522 on a median list price of $289,900. 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 Bullhead City ZIP codes have the most assumable homes?
- The Bullhead City ZIP codes with the most active assumable listings are 86442 (33) and 86429 (2). 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 Bullhead City?
- 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 Bullhead City.
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.
