Properties / 6647 E BIG SPUR Circle
VA ASSUMABLERate: 3.69%

6647 E BIG SPUR Circle

$445,000
Hereford, AZ 85615
3 beds2 baths1,835 sqftSingle Family
The assumable advantage
3.69%
VA assumed rate
$69,173 interest already paid off
Estimated Loan Balance$397,819
Cash to close$47,181
Est. Monthly PITI$2,428
Initial Loan Amount$435,103
Time on site12 days
Remaining Term25 years, 7 months
Seller's equity (what you pay)
$47,181
Cash or secondary financing
Monthly savings
$620
Versus today's market rate
Est. savings per year
$7K
Versus today's market rate

About this home

Welcome to this stunning 3-bedroom, 2-bathroom home in the prestigious Kings Ranch Subdivision, where solar efficiency meets panoramic mountain views. Designed for comfort and entertaining, this beautiful home features granite countertops throughout and a cook's dream kitchen with abundant cabinetry, soft-close doors and drawers, and a spacious layout that flows seamlessly into the open great room. A spectacular wall of glass doors fills the living space with natural light and provides breathtaking views of the backyard and surrounding mountains. Step outside to enjoy the large covered patio--perfect for relaxing, dining, or entertaining while taking in the beautiful Arizona scenery.

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 $47,181. 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

Bedrooms3
Bathrooms2
Square feet1,835
Property typeSingle Family
MLS #7073246
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)
$2,004/mo
Source est. payment (PITI)
$2,428/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$47,181

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

$0$47,181
Additional funds needed$0

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