Properties / 2333 W KOWALSKY Lane
FHA ASSUMABLERate: 6.6%

2333 W KOWALSKY Lane

$469,000
Phoenix, AZ 85041
4 beds3 baths2,524 sqftSingle Family
The assumable advantage
6.6%
FHA assumed rate
$93,376 interest already paid off
Estimated Loan Balance$396,897
Cash to close$73,006
Est. Monthly PITI$3,228
Initial Loan Amount$412,299
Time on site50 days
Remaining Term26 years, 7 months
Seller's equity (what you pay)
$72,103
Cash or secondary financing
Monthly savings
$124
Versus today's market rate
Est. savings per year
$1K
Versus today's market rate

About this home

Beautifully maintained home in a newer community, ideally located for convenience and everyday living. Designed with space in mind, this home offers a generous floor plan perfect for growing families, entertaining, or simply enjoying extra room to spread out. Situated on a large lot, you'll have plenty of outdoor space to create your own backyard retreat. Inside, you'll find a spacious loft that provides endless possibilities for a game room, media room, home office, or additional living area. Gorgeous finishes throughout the home add a modern touch, making this move-in-ready property one you won't want to miss.

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 $72,103. 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
Bathrooms3
Square feet2,524
Property typeSingle Family
MLS #7054316
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)
$2,642/mo
Source est. payment (PITI)
$3,228/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$72,103

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

$0$72,103
Additional funds needed$0

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