Properties / 5643 W ROCK Court
VA ASSUMABLERate: 3.21%

5643 W ROCK Court

$1,329,000
San Tan Valley, AZ 85144
6 beds5 baths3,774 sqftSingle Family
The assumable advantage
3.21%
VA assumed rate
$111,576 interest already paid off
Estimated Loan Balance$744,131
Cash to close$594,021
Est. Monthly PITI$4,058
Initial Loan Amount$809,634
Time on site50 days
Remaining Term25 years, 7 months
Seller's equity (what you pay)
$584,869
Cash or secondary financing
Monthly savings
$4,281
Versus today's market rate
Est. savings per year
$51K
Versus today's market rate

About this home

Custom built, recently renovated, and move-in ready, this is one of those rare homes that checks every box. Properties like this, with this much space, privacy, and flexibility, don't come along often. This is the kind of home you move to when you want space to breathe, room for everyone, and the feeling of having truly arrived. Located in the quiet community of Creekside Estates in San Tan Valley, this custom home sits on a full acre with beautiful views of the San Tan Mountains and a sense of privacy that's getting harder to find. Thoughtfully expanded in 2024 with a 1,200sqft addition, the home was reimagined to better fit modern living, including a stunning kitchen remodel, a dedicated dining space, and a second primary suite. The result is a layout that works beautifully for multigenerational living, long-term guests, or simply having your own private retreat. With six bedrooms and five full bathrooms, there is room for everyone to have their own space. The two primary suites are true sanctuaries, each with beautiful en-suite baths and custom walk-in closets. One of the primary suites includes a flexible bonus room that works perfectly as a private office, nursery, or quiet sitting room. Closets and storage are everywhere, and the large pantry makes everyday living easy and organized. The kitchen is both functional and beautiful, featuring an induction cooktop, double ovens, and thoughtful under-cabinet lighting that brings the space to life. Recent updates include 3 new AC systems (one for the addition in 2024 and two for the original home in 2025), two new water heaters, and a whole-home water filtration system, making this home truly turnkey. Outside is where this property really shines. The heated sport pool with a sun shelf creates the perfect space for entertaining, relaxing, or making memories with grandkids. The acre lot offers room to garden, gather, or simply enjoy the quiet, open setting. Fruit trees including lemon, Mexican lime, and orange add a personal touch, while the peaceful surroundings and mountain views remind you why people love this part of the Valley.

How assumption works for this home

Can I assume this VA loan?

Yes, as long as you meet the lender's credit (620+) and DTI requirements. You do NOT need to be a veteran to assume a VA loan — this is a common misconception.

How much cash do I actually need?

You need to cover the seller's equity of $584,869. If you don't have that in cash, we can help structure secondary financing to cover the gap.

Can investors assume this one?

Yes — VA assumptions can be used for investment properties. You can rent this home out.

How long does this take?

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

Property details

Bedrooms6
Bathrooms5
Square feet3,774
Property typeSingle Family
MLS #6982166
CountyMaricopa County
Assumable loanVA
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Investor?
This VA loan can be assumed and rented. Talk to Jeff about the ROI math.
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)
$3,557/mo
Source est. payment (PITI)
$4,058/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$584,869

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

$0$584,869
Additional funds needed$0

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