Properties / 1826 N PORTER Lane
VA ASSUMABLERate: 7.5%

1826 N PORTER Lane

$365,000
Thatcher, AZ 85552
4 beds2 baths1,640 sqftSingle Family
The assumable advantage
7.5%
VA assumed rate
$60,539 interest already paid off
Estimated Loan Balance$298,971
Cash to close$66,303
Est. Monthly PITI$2,399
Initial Loan Amount$306,450
Time on site22 days
Remaining Term27 years, 4 months
Seller's equity (what you pay)
$66,029
Cash or secondary financing
Monthly savings
$6
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

THATCHER HOME WITH 2026 NEW ROOF, OPEN FLOOR PLAN & LEASED SOLAR! This well-maintained home features an open main living area designed for comfortable everyday living. The carpeted living room offers a large window for natural light & opens fully to the tiled kitchen, complete with granite countertops, a center island with breakfast bar seating, stainless steel appliances, a walk-in pantry & an eat-in dining area with backyard access. The spacious primary bedroom includes an attached ensuite with dual vanities, a separate soaking tub, custom-tiled walk-in shower & walk-in closet. Two additional bedrooms offer generous storage, including one with an expansive wall of closets & another with its own walk-in closet. A full guest bath features a large vanity & shower/tub combination. The backyard is ready for customization with a covered patio, storage shed, gravel landscaping, block fencing & a separate side storage area. Additional highlights include a 2-car garage, indoor laundry & leased solar. The community offers a park & playground, with nearby shopping, dining & convenient access to SR 70. Located in the scenic Gila Valley, Thatcher offers a small-town atmosphere with access to outdoor recreation, community activities & the surrounding Mount Graham area.

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 $66,029. 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 feet1,640
Property typeSingle Family
MLS #7069092
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)
$2,147/mo
Source est. payment (PITI)
$2,399/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$66,029

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

$0$66,029
Additional funds needed$0

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