Properties / 28189 N QUARTZ Drive
VA ASSUMABLERate: 6.78%

28189 N QUARTZ Drive

$315,000
San Tan Valley, AZ 85143
3 beds2 baths1,413 sqftSingle Family
The assumable advantage
6.78%
VA assumed rate
$31,652 interest already paid off
Estimated Loan Balance$277,652
Cash to close$37,348
Est. Monthly PITI$2,058
Initial Loan Amount$282,487
Time on site0 days
Remaining Term28 years, 4 months
Seller's equity (what you pay)
$37,348
Cash or secondary financing
Monthly savings
$18
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

Charming, energy-efficient home in Copper Basin with numerous recent improvements, including an A/C system (2020), replaced roof underlayment (2023), & a water heater (2020). Additional Upgrades include Updated Windows Andersen Windows. Updated flooring, Beautiful Granite countertops. The open-concept great room features 9-foot ceilings, creating a spacious feel beyond the home's square footage. The desirable split-bedroom floor plan also offers 2-inch faux wood blinds, dimmer switches, and a security screen door. Enjoy the beautifully landscaped, low-maintenance backyard with a covered patio, extended paver area, decorative lighting, and plenty of space to relax or entertain. This home is ideally situated near the main entrance for quick, effortless commuting. This home is ready for you!

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 $37,348. 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

Bedrooms3
Bathrooms2
Square feet1,413
Property typeSingle Family
MLS #7079049
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)
$1,840/mo
Source est. payment (PITI)
$2,058/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$37,348

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

$0$37,348
Additional funds needed$0

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