Properties / 19948 W ROMA Avenue
FHA ASSUMABLERate: 2.9%

19948 W ROMA Avenue

$439,800
Litchfield Park, AZ 85340
4 beds2 baths1,920 sqftSingle Family
The assumable advantage
2.9%
FHA assumed rate
$49,751 interest already paid off
Estimated Loan Balance$336,041
Cash to close$104,505
Est. Monthly PITI$2,205
Initial Loan Amount$374,440
Time on site46 days
Remaining Term25 years, 3 months
Seller's equity (what you pay)
$103,759
Cash or secondary financing
Monthly savings
$1,029
Versus today's market rate
Est. savings per year
$12K
Versus today's market rate

About this home

Move-in ready and beautifully maintained, this 4-bedroom, 2-bath Verrado home offers 1,920 square feet of thoughtfully designed living space. The open-concept great room flows seamlessly into the kitchen, featuring white cabinetry, quartz countertops, stainless steel appliances, a walk-in pantry, and a large island with breakfast bar seating and designer pendant lighting. Sliding glass doors open to the covered patio, creating the perfect indoor-outdoor living experience. The spacious primary suite includes dual vanities, an oversized walk-in shower, and a walk-in closet. Additional features include tile flooring throughout the main living areas, carpet in the bedrooms, ceiling fans throughout, a dedicated laundry room, and a 2-car garage. Enjoy Verrado's exceptional lifestyle with Heritage Swim Park, neighborhood playgrounds, scenic walking and hiking trails, and outstanding community amenities just moments away. *Washer and Dryer do not convey. Voted Best Home on Tour - AZ Tour Group

How assumption works for this home

Can I assume this FHA loan?

Yes, as long as you meet the lender's credit (620+) and DTI requirements. FHA assumptions require you to use the home as your primary residence.

How much cash do I actually need?

You need to cover the seller's equity of $103,759. If you don't have that in cash, we can help structure secondary financing to cover the gap.

Can investors assume this one?

No — FHA loans require owner-occupancy. If you're an investor, ask us about our VA inventory.

How long does this take?

Typically 45 days. The lender underwriting is 2–3 weeks, and the rest is standard closing.

Property details

Bedrooms4
Bathrooms2
Square feet1,920
Property typeSingle Family
MLS #7058925
CountyMaricopa County
Assumable loanFHA
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Investor?
FHA is primary-residence only. But Jeff has VA assumables in the same area.
Jeff Salazar
Active now · (602) 332-3860
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Payment & cash calculator

Cash covers the gap between the price and the existing loan balance. Changing this amount does not change the existing mortgage payment.

Est. mortgage payment (P&I)
$1,565/mo
Source est. payment (PITI)
$2,205/mo

P&I is principal and interest. PITI also includes estimated taxes and insurance. HOA fees and payments on any additional financing are separate.

Estimated equity gap$103,759

Asking price minus remaining loan balance. Closing costs are additional.

$0$103,759
Additional funds needed$0

The equity gap is covered. Closing costs and assumption fees still need to be confirmed.