Properties / 10 SANDROCK Road
VA ASSUMABLERate: 3.9%

10 SANDROCK Road

$1,399,900
Sedona, AZ 86351
4 beds3 baths2,651 sqftSingle Family
The assumable advantage
3.9%
VA assumed rate
$149,312 interest already paid off
Estimated Loan Balance$210,369
Cash to close$1,190,333
Est. Monthly PITI$2,080
Initial Loan Amount$315,000
Time on site6 days
Remaining Term15 years, 8 months
Seller's equity (what you pay)
$1,189,531
Cash or secondary financing
Monthly savings
$6,759
Versus today's market rate
Est. savings per year
$81K
Versus today's market rate

About this home

Where every gathering becomes an occasion.Some homes are lived in. This one is hosted. From the moment you step inside, single-level living unfolds with an ease that only a thoughtfully designed split floor plan can deliver: private where you want it, open where it counts. At the heart of it all: a gourmet kitchen and great room that don't just impress, they perform. A Sub-Zero refrigerator, Bosch double ovens, Bosch dishwasher, and a Bosch induction cooktop set into a massive Cambria quartz waterfall island that anchors the entire space complete with a built-in trash compactor and an eat-in nook made for slow Sunday mornings and spontaneous dinner parties alike. This is the kitchen your guests will refuse to leave. Just beyond, the living room and formal dining room frame Castle Rock like a painting that changes with the light, warmed by a Napoleon gas fireplace when the desert evenings cool.Retreat to a fully remodeled primary suite: dual walk-in closets, an oversized walk-in shower with two shower stations, and the kind of quiet that erases the day. A fourth bedroom flexes effortlessly as a home office.Then step outside into the showstopper: a fully fenced English garden with its own outdoor living room, raised vegetable beds, and a grassy side yard for the four-legged members of the family. Once you enter, you won't want to leave. Neither will your guests.

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 $1,189,531. 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
Bathrooms3
Square feet2,651
Property typeSingle Family
MLS #7076211
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)
$1,497/mo
Source est. payment (PITI)
$2,080/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$1,189,531

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

$0$1,189,531
Additional funds needed$0

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