Properties / 1317 W MONROE Street
FHA ASSUMABLERate: 4.17%

1317 W MONROE Street

$850,000
Phoenix, AZ 85007
4 beds4 baths sqftSingle Family
The assumable advantage
4.17%
FHA assumed rate
$110,969 interest already paid off
Estimated Loan Balance$594,857
Cash to close$260,393
Est. Monthly PITI$3,898
Initial Loan Amount$638,226
Time on site50 days
Remaining Term25 years, 9 months
Seller's equity (what you pay)
$255,143
Cash or secondary financing
Monthly savings
$1,870
Versus today's market rate
Est. savings per year
$22K
Versus today's market rate

About this home

Fantastic investment opportunity in a gorgeous historic neighborhood near the Arizona State Capitol in the heart of Central Phoenix. This well-maintained fourplex features 4 beautifully remodeled efficiency units, consistently in demand with both short- and long-term tenants. Each fully furnished unit offers a private kitchenette w/ stainless steel gas range, refrigerator, & microwave, along with a well-appointed bathroom w/ shower. Windows in the property were replaced approximately 4 years ago. Property includes an inviting front porch and a detached one-car garage with water plumbing, offering potential for conversion into a fifth rental unit. Ideally situated on a peaceful, tree-lined street close to dining, shopping, sports venues, and entertainment. Buyer to verify all information.

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 $255,143. 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

Bedrooms4
Bathrooms4
Property typeSingle Family
MLS #7003581
CountyMaricopa County
Assumable loanFHA
Tour this home
In person or virtual.
Prefer virtual tour?
Free · No commitment · Typical reply in 15 min
Investor?
FHA is primary-residence only. But Jeff has VA assumables in the same area.
Jeff Salazar
Active now · (602) 332-3860
Call

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)
$3,143/mo
Source est. payment (PITI)
$3,898/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$255,143

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

$0$255,143
Additional funds needed$0

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