08/13/2026
2.875% Interest Rate + A Certified Loan Assumption?! This is the kind of opportunity buyers need to know exists.
This Surprise home isn’t just believed to have an assumable loan. It is a UMe Certified Loan Assumption opportunity, meaning the loan details have already been researched directly with the servicer to help take some of the guesswork out of the process.
And the numbers are pretty incredible:
• 2.875% assumable VA loan
• Estimated loan balance of approximately $327,232
• Approximately $52,668 cash to close
• Estimated monthly PITI of just $1,755
• Estimated principal & interest of $1,507/month, compared with approximately $2,237/month using UMe’s current-rate comparison
• More than $46,000 in interest has already been paid on the existing loan and there are still more than 25 years remaining at that incredibly low rate.
Instead of starting over with a brand-new 30-year mortgage at today’s rates, an assumption allows you to step into the seller’s existing loan and keep its rate, remaining term and payment structure.
That can mean a significantly lower payment today AND potentially enormous interest savings over the years ahead.
And here’s something many buyers don’t realize: you do not necessarily have to be a veteran to assume a VA loan. There are additional considerations with VA entitlement, qualification and approval, but these opportunities may be available to more buyers than you think.
Loan assumptions aren’t right for every home or every buyer, but when the numbers line up like this, they are absolutely worth exploring.
As a Certified Loan Assumption Specialist, I can help you understand the numbers, navigate the process and determine whether an opportunity like this could work for you.
Message me for the details or to learn more about finding low-rate assumable homes throughout Arizona.
📲 480.628.2563
📧 [email protected]
