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Assumable Homes for Sale in Saratoga Springs, Utah
These Saratoga Springs listings mention an assumable loan, usually an FHA or VA mortgage you can take over at the seller's interest rate. Matching listings today: 6.
You qualify with the seller's servicer and pay the seller the difference between the price and the loan balance. See owner-financed homes.
6 matching · page 1 of 1
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Utah MLS data · updated Nov 5, 2026
Saratoga Springs assumable homes by the numbers
Today's listings plus closed sales recorded in the MLS, each home counted once. Medians, not averages, so one outlier can't skew them.
- For sale now
- 6
- median ask $440,000
- Median sale, last 12 mo
- $440,000
- 5 sold
- Price per sq ft
- $192
- median of closed sales · typical 1,906 sq ft
- HOA dues
- $140/mo
- median · 100% of listings have dues
Over the last 12 months, 5 assumable homes sold in Saratoga Springs, taking a median of 18 days to go under contract and closing at 100% of the final list price.
What's for sale
Today's 6 listings by type.
- Single-family homes 3 (50%)
- Townhomes 2 (33%)
- Twin homes 1 (17%)
By budget
How today's asking prices spread out.
- Under $400K 1
- $400K–$600K 4
- $600K–$800K 1
- $800K–$1.2M 0
- $1.2M and up 0
Assumable homes by neighborhood
Closed sales over the last 24 months, plus what's listed today. Click a name for that neighborhood's page.
-
- Sold (24 mo)
- 3
- Median sale
- —
- Typical size
- 2,297 sq ft
- Built
- 2017
- HOA / mo
- $170
- For sale now
- 0
-
- Sold (24 mo)
- 1
- Median sale
- —
- Typical size
- 1,520 sq ft
- Built
- 2021
- HOA / mo
- $123
- For sale now
- 1 · $365,000
-
- Sold (24 mo)
- —
- Median sale
- —
- Typical size
- 1,885 sq ft
- Built
- 2022
- HOA / mo
- $140
- For sale now
- 2 · $439,000–$499,900
-
- Sold (24 mo)
- —
- Median sale
- —
- Typical size
- 2,727 sq ft
- Built
- 2024
- HOA / mo
- $210
- For sale now
- 1 · $441,973
-
- Sold (24 mo)
- —
- Median sale
- —
- Typical size
- 4,164 sq ft
- Built
- 2008
- HOA / mo
- $22
- For sale now
- 1 · $749,900
Median sale is shown only where at least 5 homes sold. HOA dues are the median monthly fee (yearly dues divided by 12) and can change, so confirm the amount and what it covers with the association. "Built" is the median year built.
Common questions
About assumable homes in Saratoga Springs.
What is an assumable mortgage? ▾
A loan the buyer takes over from the seller, keeping its rate and remaining term. FHA, VA and USDA loans are usually assumable with lender approval.