Properties / 21576 W COCOPAH Street
FHA ASSUMABLERate: 2.87%

21576 W COCOPAH Street

$385,000
Buckeye, AZ 85326
3 beds3 baths1,986 sqftSingle Family
The assumable advantage
2.87%
FHA assumed rate
$43,663 interest already paid off
Estimated Loan Balance$285,996
Cash to close$98,356
Est. Monthly PITI$1,905
Initial Loan Amount$321,719
Time on site0 days
Remaining Term25 years, 1 month
Seller's equity (what you pay)
$99,004
Cash or secondary financing
Monthly savings
$936
Versus today's market rate
Est. savings per year
$11K
Versus today's market rate

About this home

Better than new! This 2021-built beauty has been very lightly lived in and shows like a model. Open, functional layout offers 3 bedrooms, 2.5 baths, a dedicated office, and a bonus den -- perfect for today's flexible lifestyle. The kitchen has been tastefully renovated, and fresh paint throughout gives the home a crisp, move-in-ready feel. Step outside to a fully completed backyard oasis featuring low-maintenance turf and paver hardscaping, ideal for entertaining or relaxing year-round. Just minutes from the new Verrado Marketplace, with quick access to shopping, dining, and freeway routes. Don't miss this rare opportunity to own a nearly-new home without the wait!

How assumption works for this home

Can I assume this FHA loan?

Yes, as long as you meet the lender's credit (620+) and DTI requirements. FHA assumptions require you to use the home as your primary residence.

How much cash do I actually need?

You need to cover the seller's equity of $99,004. If you don't have that in cash, we can help structure secondary financing to cover the gap.

Can investors assume this one?

No — FHA loans require owner-occupancy. If you're an investor, ask us about our VA inventory.

How long does this take?

Typically 45 days. The lender underwriting is 2–3 weeks, and the rest is standard closing.

Property details

Bedrooms3
Bathrooms3
Square feet1,986
Property typeSingle Family
MLS #7078738
CountyMaricopa County
Assumable loanFHA
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Investor?
FHA is primary-residence only. But Jeff has VA assumables in the same area.
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)
$1,334/mo
Source est. payment (PITI)
$1,905/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$99,004

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

$0$99,004
Additional funds needed$0

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