Properties / 4548 W Charlie Drive
FHA ASSUMABLERate: 6.27%

4548 W Charlie Drive

$440,000
San Tan Valley, AZ 85144
3 beds2 baths1,812 sqftSingle Family
The assumable advantage
6.27%
FHA assumed rate
$88,195 interest already paid off
Estimated Loan Balance$397,410
Cash to close$46,780
Est. Monthly PITI$3,011
Initial Loan Amount$410,428
Time on site50 days
Remaining Term26 years, 7 months
Seller's equity (what you pay)
$42,590
Cash or secondary financing
Monthly savings
$32
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

Step into this beautiful newly built home by Mattamy Homes, offering a modern and functional design that perfectly blends comfort and style. This open-concept floor plan features three spacious bedrooms, a versatile den/bonus room — ideal for a home office, playroom, or guest space. You'll love the bright great room, perfect for entertaining, and the chef-inspired kitchen with quartz countertops, a gas range, and a large island for casual dining. The split floor plan provides added privacy for the primary suite, complete with a generous walk-in closet. Situated on a premium corner lot, this home offers extra outdoor space and great curb appeal. With thoughtful upgrades and a fresh, modern feel throughout, this one is move-in ready and waiting for its new owner.

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 $42,590. 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
Bathrooms2
Square feet1,812
Property typeSingle Family
MLS #6935674
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)
$2,563/mo
Source est. payment (PITI)
$3,011/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$42,590

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

$0$42,590
Additional funds needed$0

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