Properties / 16845 W TASHA Drive
FHA ASSUMABLERate: 3.61%

16845 W TASHA Drive

$405,000
Surprise, AZ 85388
4 beds3 baths2,255 sqftSingle Family
The assumable advantage
3.61%
FHA assumed rate
$59,380 interest already paid off
Estimated Loan Balance$223,249
Cash to close$182,760
Est. Monthly PITI$1,634
Initial Loan Amount$258,236
Time on site50 days
Remaining Term23 years, 3 months
Seller's equity (what you pay)
$181,751
Cash or secondary financing
Monthly savings
$1,204
Versus today's market rate
Est. savings per year
$14K
Versus today's market rate

About this home

Situated on a prime corner lot, this beautifully updated home offers 4 bedrooms and 2.5 baths across a spacious 2,255 SqFt layout. The great room features tile flooring and custom built-ins that create a perfect space for media and décor, while sliding glass doors lead to a covered patio and a low-maintenance backyard ideal for relaxing or entertaining. The kitchen has white soft-close cabinetry, pull-out shelving, crown molding, added wine bar storage, a subway tile backsplash, stainless steel appliances, an R/O system, a walk-in pantry, and a convenient breakfast bar for casual dining. Upstairs, you'll find all four bedrooms along with a versatile loft. The primary suite offers vaulted ceilings and an en-suite bath complete with a dual-sink vanity, tub/shower combo, and a walk-in closet. Additional highlights include a new gas water heater, a newer A/C unit (approx. 2 years old), a water softener, leased solar panels for energy savings, and a 2-car garage--making this home both comfortable and efficient.

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 $181,751. 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
Bathrooms3
Square feet2,255
Property typeSingle Family
MLS #7055713
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)
$1,184/mo
Source est. payment (PITI)
$1,634/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$181,751

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

$0$181,751
Additional funds needed$0

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