Properties / 1098 Copper Drive
VA ASSUMABLERate: 6.89%

1098 Copper Drive

$222,000
Bullhead City, AZ 86442
4 beds2 baths1,134 sqftSingle Family
The assumable advantage
6.89%
VA assumed rate
$20,880 interest already paid off
Estimated Loan Balance$242,445
Cash to close$0
Est. Monthly PITI$1,801
Initial Loan Amount$243,900
Time on site36 days
Remaining Term28 years, 9 months
Seller's equity (what you pay)
$0
Cash or secondary financing
Monthly savings
$0
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

SHORT SALE - SELLER'S LOSS, BUYER'S GAIN. Due to hardship, Seller must transfer ownership as a short sale - call for details! Tucked away on a quiet cul-de-sac, this beautifully updated 4-bedroom, 2-bath manufactured home, built in 1994, sits on a generous half-acre lot with sweeping mountain and valley views. A spacious front deck welcomes you home and sets the tone for relaxed desert living. Inside, the thoughtfully designed split floor plan offers added privacy, with the great room, dining area, and kitchen at the heart of the home. Vaulted ceilings and abundant natural light create an open, airy feel, while luxury vinyl plank wood flooring flows seamlessly throughout. Stylish touches include a barn door accent and fresh interior and exterior paint for a crisp, modern look. Enjoy energy efficiency and comfort with new Low-E glass windows, new blinds throughout, and blackout cellular shades in the living room and primary suite. This home has new plumbing from the inside fixtures all the way to the outside fixtures. The kitchen shines with white Euro-style cabinetry and a tasteful tile backsplash, offering both charm and functionality. Out back, you ll find a storage shed, fenced dog run, and extended carport. The expansive lot provides ample room for additional parking, toys, or future improvements endless possibilities to make it your own.

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 $0. 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

Bedrooms4
Bathrooms2
Square feet1,134
Property typeSingle Family
MLS #036539
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)
$1,616/mo
Source est. payment (PITI)
$1,801/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

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

Confirm the current loan balance and equity requirement with an agent before estimating cash needed.