Properties / 10817 W ALMERIA Road
FHA ASSUMABLERate: 7.1%

10817 W ALMERIA Road

$379,999
Avondale, AZ 85392
3 beds2 baths1,548 sqftSingle Family
The assumable advantage
7.1%
FHA assumed rate
$159,941 interest already paid off
Estimated Loan Balance$24,255
Cash to close$355,744
Est. Monthly PITI$1,184
Initial Loan Amount$114,468
Time on site1 day
Remaining Term2 years, 10 months
Seller's equity (what you pay)
$355,744
Cash or secondary financing
Monthly savings
$1,451
Versus today's market rate
Est. savings per year
$17K
Versus today's market rate

About this home

MOVE-IN READY GEM IN AVONDALE. Every major upgrade already done, so you can just move in and enjoy it! This 3-bed, 2-bath split floor plan home offers a primary suite retreat with a fully remodeled walk-in shower featuring custom stonework & a rainfall system; bedrooms two and three share an updated bath with quartz counters and fresh fixtures. Vaulted ceilings and recessed lighting create a bright, open feel throughout, complemented by newer laminate flooring and fresh paint in and out. The kitchen shines with quartz counters, an eat-in island, and an all-new Whirlpool range, microwave & dishwasher. Outside, the backyard is ready to enjoy with new pavers, turf, and PVC bubbler irrigation, backing to a green belt with no rear neighbors. Water heater, softener & RO system, all new 2025... Location works in your favor here, too! Quick access to I-10 and Loop 101 puts Westgate Entertainment District, shopping, and dining just minutes away, with an easy commute to downtown Phoenix or Sky Harbor Airport. Ask your agent for the full upgrade list , come experience it in person.

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 $355,744. 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 feet1,548
Property typeSingle Family
MLS #7078196
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)
$790/mo
Source est. payment (PITI)
$1,184/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$355,744

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

$0$355,744
Additional funds needed$0

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