Properties / 4204 N Stampede Road
FHA ASSUMABLERate: 3.07%

4204 N Stampede Road

$429,000
Kingman, AZ 86401
4 beds2 baths2,104 sqftSingle Family
The assumable advantage
3.07%
FHA assumed rate
$54,122 interest already paid off
Estimated Loan Balance$360,536
Cash to close$70,771
Est. Monthly PITI$2,305
Initial Loan Amount$397,172
Time on site36 days
Remaining Term25 years, 5 months
Seller's equity (what you pay)
$68,464
Cash or secondary financing
Monthly savings
$826
Versus today's market rate
Est. savings per year
$10K
Versus today's market rate

About this home

Built in 2016, this well-maintained home features 4 bedrooms, 2 bathrooms, PLUS an additional bonus room, offering the flexibility for a home office, playroom, gym, or guest space. The open floor plan creates a bright and inviting atmosphere, while the kitchen boasts a huge pantry with plenty of storage. Step outside to enjoy the larger backyard, complete with real grass, an automatic watering system, and a covered patio the perfect spot for relaxing, entertaining, or enjoying Arizona evenings. Additional highlights include a 3-car garage, water softener, and large RV parking with hookups available, giving you plenty of room for all your vehicles, toys, and outdoor gear. With modern construction, a spacious layout, and a backyard designed to be enjoyed, this home is ready for its next owners.

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 $68,464. 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
Bathrooms2
Square feet2,104
Property typeSingle Family
MLS #039720
CountyMaricopa County
Assumable loanFHA
Tour this home
In person or virtual.
Prefer virtual tour?
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
Call

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)
$1,704/mo
Source est. payment (PITI)
$2,305/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$68,464

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

$0$68,464
Additional funds needed$0

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