Properties / 19823 N 129TH Avenue
FHA ASSUMABLERate: 2.93%

19823 N 129TH Avenue

$375,000
Sun City West, AZ 85375
2 beds2 baths1,803 sqftSingle Family
The assumable advantage
2.93%
FHA assumed rate
$34,067 interest already paid off
Estimated Loan Balance$215,327
Cash to close$159,673
Est. Monthly PITI$1,482
Initial Loan Amount$241,960
Time on site8 days
Remaining Term25 years
Seller's equity (what you pay)
$159,673
Cash or secondary financing
Monthly savings
$1,198
Versus today's market rate
Est. savings per year
$14K
Versus today's market rate

About this home

Looking for that perfect retirement home that will give you the space for entertaining and enjoying the beautiful weather, this is it! The backyard has everything you could be looking for including a beautiful pool, a ramada with a fire pit, a separate grilling space, an above ground hot tub, retractable awning off the patio, and landscaping to fill it out perfectly! Both bedrooms are very well sized with walk-in closets, and the back bedroom has the ensuite. Between the formal dining room and the extra family room past the kitchen, you can easily make a third room if that is a need. Come experience the tranquility today!

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 $159,673. 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

Bedrooms2
Bathrooms2
Square feet1,803
Property typeSingle Family
MLS #7070534
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)
$1,013/mo
Source est. payment (PITI)
$1,482/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$159,673

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

$0$159,673
Additional funds needed$0

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