Properties / 11125 E Prospect Drive
VA ASSUMABLERate: 3.76%

11125 E Prospect Drive

$475,900
Kingman, AZ 86401
3 beds2 baths2,128 sqftSingle Family
The assumable advantage
3.76%
VA assumed rate
$50,222 interest already paid off
Estimated Loan Balance$314,158
Cash to close$162,334
Est. Monthly PITI$1,766
Initial Loan Amount$340,000
Time on site9 days
Remaining Term26 years
Seller's equity (what you pay)
$161,742
Cash or secondary financing
Monthly savings
$1,228
Versus today's market rate
Est. savings per year
$15K
Versus today's market rate

About this home

WELCOME HOME TO YOUR PRIVATE 38.13-ACRE FULLY FENCED SELF-SUSTAINING PARADISE! Rare opportunity to own an impeccably upgraded, fully self-contained homestead where modern luxury meets total freedom and panoramic high-desert mountain views! Completely remodeled from top to bottom, this home features high-efficiency windows and exterior doors (installed just 4 years ago), an inviting wood-burning stove for cozy winter evenings, and complete peace of mind with a hardwired security camera system and interior monitor TVs that convey. WATER & POWER SECURITY AT ITS FINEST: Enjoy endless, dependable water with your high-producing private well, well shed with 30-amp inlet panel, whole-house water softener, and pure kitchen Reverse Osmosis system. The Electrical panel is already wired with a generator switch over so you never skip a beat. Bringing the camper or hosting guests? Plug right in with the dedicated 50-amp RV hookup! Year-Round Growing: Fully powered, watered greenhouse with swamp cooler, plus an enclosed raised-bed garden boasting established blackberries, table grapes, and 3 thriving fruit trees out front. Turnkey Livestock Setup: 5 dedicated animal enclosures (select pens feature automatic waterers and misting lines to beat the summer heat). Work & Storage Space: 2-car garage plus a massive heavy-duty metal carport with limitless room for horse trailers, tractors, and desert toys. Resort-Style Outdoor Living: Unwind on your fully screened-in back deck and patio featuring a built-in misting system enjoy cool, bug-free desert sunsets year-round alongside a securely fenced backyard for your dogs! Unmatched privacy, dark night skies, and every prepper and agricultural upgrade already completed for you. ADDED BONUS: Sellers are willing to negotiate the Kabota L2500 Tractor w/Backhoe and enclosed whole house Generator in addition to the sale of this property. Call your agent today and live the lifestyle you have been dreaming of!

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 $161,742. 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

Bedrooms3
Bathrooms2
Square feet2,128
Property typeSingle Family
MLS #041866
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)
$1,579/mo
Source est. payment (PITI)
$1,766/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$161,742

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

$0$161,742
Additional funds needed$0

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