Properties / 14105 S Cactus Road
VA ASSUMABLERate: 6.5%

14105 S Cactus Road

$399,900
Yucca, AZ 86438
2 beds2 baths1,413 sqftSingle Family
The assumable advantage
6.5%
VA assumed rate
$34,014 interest already paid off
Estimated Loan Balance$270,341
Cash to close$129,838
Est. Monthly PITI$1,999
Initial Loan Amount$275,872
Time on site36 days
Remaining Term28 years, 1 month
Seller's equity (what you pay)
$129,559
Cash or secondary financing
Monthly savings
$611
Versus today's market rate
Est. savings per year
$7K
Versus today's market rate

About this home

If you've been dreaming of space, views, and total peace and quiet, this Yucca property might be exactly what you ve been waiting for. Set on 2.35 acres and less than 10 minutes from paved Alamo Road, this Santa Fe style home gives you that perfect balance of feeling tucked away while still being easy to get to. The setting is pure desert serenity, wide open skies, gorgeous Ocotillo, and the kind of quiet you can actually hear. The home offers 1,413 square feet with a bright, open layout that feels welcoming the moment you walk in. The kitchen flows right into the living area, making it great for everyday living or having friends over, and features stainless steel appliances, a large pantry, and beautiful Talavera tile that adds just the right amount of Southwest character. The architecture throughout the home has that timeless Santa Fe charm that never goes out of style. You'll also love the big-ticket updates already done for you, including a newer HVAC system (about 2 years old) and a brand new roof, so you can move in with peace of mind. The primary suite is a true retreat with two oversized walk-in closets, a spacious bathroom with a soaking tub, walk-in shower, dual sinks, and big windows that let in tons of natural light. Step out back and you'll find a covered patio with gorgeous archways, the perfect place to sit, relax, and take in those wide-open desert views or unwind in the hot tub as the sun sets. The backyard is fenced and surprisingly lush, with producing orange and lemon trees, pistachio trees, and palms. Outside the fence, there's plenty of room for animals, including horse setup with shaded mare motels and no-climb fencing. Now let s talk about the garage space, because this is a big one. In addition to the 2-car attached garage, there s a huge 20x40 detached shop/garage. Between the two, you have space for up to 6 vehicles, plus room for a workshop, toys, or storage. Whether you're a car enthusiast, need space for projects, or just want room for all your gear, this setup is hard to beat. And the views they re exactly what you want out here. Big skies, beautiful desert scenery, and sunsets that never get old. This isn't just a house. It s a peaceful desert retreat with space to breathe, space to work, space to play, and a view that reminds you why you chose Arizona in the first place.

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 $129,559. 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

Bedrooms2
Bathrooms2
Square feet1,413
Property typeSingle Family
MLS #026300
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)
$1,747/mo
Source est. payment (PITI)
$1,999/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$129,559

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

$0$129,559
Additional funds needed$0

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