Properties / 8592 W ONEIDA Drive
FHA ASSUMABLERate: 6.64%

8592 W ONEIDA Drive

$257,000
Arizona City, AZ 85123
3 beds2 baths1,290 sqftSingle Family
The assumable advantage
6.64%
FHA assumed rate
$39,525 interest already paid off
Estimated Loan Balance$227,710
Cash to close$30,009
Est. Monthly PITI$1,872
Initial Loan Amount$233,679
Time on site50 days
Remaining Term27 years, 5 months
Seller's equity (what you pay)
$29,290
Cash or secondary financing
Monthly savings
$11
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

Welcome to 8592 W Oneida Dr in Arizona City, where comfort, style, and value come together. This beautifully maintained home offers an inviting open layout filled with natural light, spacious living areas, and a functional design perfect for everyday living and entertaining. The well appointed kitchen flows seamlessly into the main living space, while generously sized bedrooms provide comfort and privacy. Step outside to enjoy a large backyard with endless possibilities for relaxation, gatherings, or future enhancements. Conveniently located near golf, parks, shopping, and easy access to I10, this move in ready gem delivers the Arizona lifestyle you have been looking for. Do not miss this exceptional opportunity.

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 $29,290. 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

Bedrooms3
Bathrooms2
Square feet1,290
Property typeSingle Family
MLS #7046050
CountyMaricopa County
Assumable loanFHA
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Free · No commitment · Typical reply in 15 min
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)
$1,505/mo
Source est. payment (PITI)
$1,872/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$29,290

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

$0$29,290
Additional funds needed$0

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