Properties / 2109 W White Feather Lane
VA ASSUMABLERate: 2.94%

2109 W White Feather Lane

$875,000
Phoenix, AZ 85085
6 beds5 baths3,659 sqftSingle Family
The assumable advantage
2.94%
VA assumed rate
$47,918 interest already paid off
Estimated Loan Balance$261,889
Cash to close$615,545
Est. Monthly PITI$1,808
Initial Loan Amount$298,280
Time on site50 days
Remaining Term24 years, 2 months
Seller's equity (what you pay)
$613,111
Cash or secondary financing
Monthly savings
$3,897
Versus today's market rate
Est. savings per year
$47K
Versus today's market rate

About this home

Fixed solar lease payment of $102.87/month with no annual escalator. Historical APS billing and production data show an estimated $400/year in energy cost benefit. SIX bedrooms including TWO primary suites. FIVE bathrooms. TWO laundry rooms. Approx. a 5-minute WALK to the Community Center & family-friendly amenities, including a splash pad, playground, fitness center, indoor climbing wall, tennis and basketball courts, plus access to Sonoran Preserve trails. This home offers exceptional flexibility for multi-generational living, long-term guests, remote work, or evolving household needs. Shopping, dining, entertainment, and the growing North Valley employment corridor, including TSMC, are all within approximately a 15-minute drive. Nearby access to Interstate 17, loop 101 & loop 303 makes commuting and travel throughout the Valley convenient. The main level features the first primary suite and laundry room, an additional bedroom or office, full bath, formal dining room, and an open great room connected to the kitchen. The kitchen includes quartz countertops, double ovens, a gas cooktop, large island seating, and a spacious eat-in area for everyday living and entertaining. Upstairs includes the second primary suite and second laundry room, a spacious loft ideal for a lounge, media room, or play space, plus three additional bedrooms, including one en-suite, and a full bath with double sinks. The backyard offers added privacy with no direct rear neighbors and is designed for low-maintenance enjoyment, featuring an extended pergola-covered patio ideal for dining and relaxing. Tesla solar lease with streamlined transfer process. Please reference the Solar Lease Overview document for complete lease and performance details.

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 $613,111. 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

Bedrooms6
Bathrooms5
Square feet3,659
Property typeSingle Family
MLS #7025045
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)
$1,263/mo
Source est. payment (PITI)
$1,808/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$613,111

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

$0$613,111
Additional funds needed$0

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