Properties / 13711 N 145TH Drive
VA ASSUMABLERate: 3.23%

13711 N 145TH Drive

$539,999
Surprise, AZ 85379
4 beds3 baths2,756 sqftSingle Family
The assumable advantage
3.23%
VA assumed rate
$77,430 interest already paid off
Estimated Loan Balance$361,914
Cash to close$178,915
Est. Monthly PITI$2,190
Initial Loan Amount$415,447
Time on site42 days
Remaining Term23 years, 11 months
Seller's equity (what you pay)
$178,085
Cash or secondary financing
Monthly savings
$1,373
Versus today's market rate
Est. savings per year
$16K
Versus today's market rate

About this home

Welcome to your dream home located in the highly coveted Marley Park community of Surprise, Arizona. This spacious residence offers the perfect blend of traditional elegance and modern simplicity. Boasting four spacious bedrooms, three full bathrooms, and a versatile flex room, this property is engineered for everyday living and entertaining. Live in one of Surprise's premier master-planned communities, famous for its tree-lined streets, community pools, resort-style clubhouse and vibrant parks. Located within minutes of the Village at Prasada giving you instant access to dining, shopping and entertainment. Zip anywhere in the valley with speedy access to the Loop 303, Loop 101, US-60. Huge Front Porch Flex Room with Closet Subway Tile in Kitchen Extended Kitchen Island Upgraded Kitchen & Bathroom Hardware Extended Kitchen Cabinets Extended Arcadia Door Wallk In Pantry with Light Outlet in Living Room Floor Living Room Speaker Connections in Ceiling Master Bedroom Linen Closet Master Bathroom Walk in Tiled Shower RV Gate 2 AC Units Pavers & Turfed backyard

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 $178,085. 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
Bathrooms3
Square feet2,756
Property typeSingle Family
MLS #7061037
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)
$1,812/mo
Source est. payment (PITI)
$2,190/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$178,085

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

$0$178,085
Additional funds needed$0

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