Properties / 425 S HIDALGO Road
FHA ASSUMABLERate: 6.78%

425 S HIDALGO Road

$850,000
Chandler, AZ 85225
4 beds3 baths2,891 sqftSingle Family
The assumable advantage
6.78%
FHA assumed rate
$52,537 interest already paid off
Estimated Loan Balance$383,252
Cash to close$466,748
Est. Monthly PITI$3,195
Initial Loan Amount$391,457
Time on site0 days
Remaining Term28 years
Seller's equity (what you pay)
$466,748
Cash or secondary financing
Monthly savings
$2,464
Versus today's market rate
Est. savings per year
$30K
Versus today's market rate

About this home

Exceptional 2024-built custom home just minutes from Downtown Chandler, offering nearly 2,900 sq ft of thoughtfully designed living space on a 13,000+ sq ft lot. This 4-bedroom, 3-bath home features soaring 10-ft ceilings, elegant 8-ft doors and a bright, open-concept layout. The stunning kitchen boasts a 5' x 11' island, 40+ cabinets, double ovens, pot filler and walk-in pantry. The spacious 400 sq ft primary suite offers a luxurious bath with Jacuzzi tub. Upgrades include spray-foam insulation, water softener, oversized laundry room, security-camera wiring and an insulated, air-conditioned 2-car garage with 50-amp EV outlet. The private backyard features an 8-inch block wall, covered patio and rain gutters. Modern luxury, exceptional space and an unbeatable Chandler location!

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 $466,748. 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 feet2,891
Property typeSingle Family
MLS #7079246
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)
$2,549/mo
Source est. payment (PITI)
$3,195/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$466,748

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

$0$466,748
Additional funds needed$0

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