Properties / 1065 W 1ST Street
FHA ASSUMABLERate: 6.26%

1065 W 1ST Street

$295,000
Tempe, AZ 85281
2 beds2 baths751 sqftSingle Family
The assumable advantage
6.26%
FHA assumed rate
$51,810 interest already paid off
Estimated Loan Balance$238,844
Cash to close$57,846
Est. Monthly PITI$1,872
Initial Loan Amount$247,252
Time on site50 days
Remaining Term26 years, 8 months
Seller's equity (what you pay)
$56,156
Cash or secondary financing
Monthly savings
$203
Versus today's market rate
Est. savings per year
$2K
Versus today's market rate

About this home

Don't miss this incredible opportunity in the heart of Tempe's Waterfront District at River Run Condos. Equipped with a brand new AC Unit as of July 2026, this unit features stacked laundry machines and an updated, peaceful back yard that does not border a busy road. Both bathroom vanities have been re-done within the past 3 years. Walking distance to Tempe Town Lake, Tempe Beach Park, the Center for the Arts and much more, this is a location that every property owner needs to add to their portfolio. With an active Tenant in place through the end of 2026, this vibrant condo is ready for its new owner to plug & play instantly!

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 $56,156. 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 feet751
Property typeSingle Family
MLS #6999437
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)
$1,537/mo
Source est. payment (PITI)
$1,872/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$56,156

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

$0$56,156
Additional funds needed$0

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