3.14% FHA
$270,000
$927/mo
348 BIRD Avenue
El Paso, TX
4 bd3 ba— sqft
Sunland Park, New Mexico
Keep the rate.
Buy the home in Sunland Park.
4 assumable homes for sale in Sunland Park, with locked rates from 2.90%. Take over the seller’s existing FHA, VA, or USDA loan instead of financing at today’s 7.2%.
Median assumable rate
6.12%
vs 7.2% market
$341/mo saved
Median locked rate
6.12%
Across 4 assumable listings
Typical monthly savings
$341
On a $397,500 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 Sunland Park
Homes with a rate worth keeping
3.14% VA
$495,000
$1,854/mo
1460 PIONEER RIDGE Drive
El Paso, TX
3 bd3 ba— sqft
3.45% VA
$325,000
$1,200/mo
4312 JOHN B OBLINGER Drive
El Paso, TX
5 bd3 ba— sqft
3.45% VA
$465,000
$1,740/mo
6969 Granero Drive
El Paso, TX
5 bd4 ba— sqft
2.77% VA
$777,000
$2,333/mo
6328 Camino Nogal Drive
El Paso, TX
4 bd3 ba— sqft
2.77% VA
$595,000
$1,993/mo
6563 Laramie Ridge Lane
El Paso, TX
4 bd3 ba— sqft
Inventory snapshot
What’s assumable in Sunland Park right now
Live counts from the MLS feeds we index for New Mexico. Updated September 2026.
- Active listings
- 4
- Certified / verified
- 0
- Lowest rate
- 2.90%
- Median rate
- 6.12%
- Median list price
- $397,500
- Median cash to assume
- $65,335
Listings by locked rate
- Under 4%1 home
- 4% – 5%0 homes
- 5% – 6%1 home
- 6% and up2 homes
Listings by loan type
- VA3 homesmedian 5.41%
- FHA1 homemedian 7.08%
FHA, VA, and USDA loans are assumable by law. Conventional loans almost never are.
By neighborhood
Assumable homes by Sunland Park ZIP code
Nearby markets
More assumable homes in New Mexico
- Santa Teresa6
- Anthony3
- Las Cruces1
- Alamogordo
- Alto
- Chamberino
- Chaparral
- Cloudcroft
- Doña Ana
- Elephant Butte
- Hatch
- Hobbs
- La Mesa
- Mesquite
- Ruidoso
- Timberon
- Truth or Consequences
Run your numbers
The cost of waiting in Sunland Park.
A 7.2% new loan against an assumable one at 6.12%, same balance, 30 years.
You keep every month
$229/mo
Over a year$2,746
Monthly payment, side by side
7.2% vs 6.12%
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 Sunland Park
Numbers below come from current Sunland Park inventory and update as listings change.
- How many assumable homes are for sale in Sunland Park?
- As of September 2026, UMe tracks 4 active assumable listings in Sunland Park. Inventory refreshes from the MLS throughout the day, so the map may show slightly different counts.
- What types of assumable loans are available in Sunland Park?
- Current Sunland Park inventory breaks down as VA (3, median 5.41%) and FHA (1, median 7.08%). 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 Sunland Park right now?
- The lowest rate on an active Sunland Park assumable listing is 2.90%, and the median across all 4 listings is 6.12%. 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 Sunland Park?
- Across current Sunland Park listings, the median principal-and-interest payment on the assumable loan is $2,273 per month versus $2,614 for the same balance at today's rates, a difference of about $341 every month, or $4,089 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 Sunland Park?
- When you assume a loan you pay the seller the difference between the list price and the remaining loan balance. In Sunland Park that gap is currently a median of $65,335 on a median list price of $397,500. 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 Sunland Park ZIP codes have the most assumable homes?
- The Sunland Park ZIP codes with the most active assumable listings are 88063 (3) and 88008 (1). 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 Sunland Park?
- 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 Sunland Park.
Every listing on the map has a rate you can take over. Start with the ones in New Mexico, or list your own low-rate loan and let buyers come to you.
