Properties / 4588 N 186TH Lane
VA ASSUMABLERate: 3%

4588 N 186TH Lane

$880,000
Goodyear, AZ 85395
3 beds3 baths3,245 sqftSingle Family
The assumable advantage
3%
VA assumed rate
$8,048 interest already paid off
Estimated Loan Balance$64,286
Cash to close$815,848
Est. Monthly PITI$762
Initial Loan Amount$70,000
Time on site29 days
Remaining Term26 years, 1 month
Seller's equity (what you pay)
$815,714
Cash or secondary financing
Monthly savings
$4,894
Versus today's market rate
Est. savings per year
$59K
Versus today's market rate

About this home

VA Assumable Loan below 3% assumable by another VA Eligible buyer! Experience the perfect blend of luxury, comfort, and Arizona living in this beautifully designed 3-bedroom, 3-bathroom home featuring an open-concept floor plan, a split 3-car garage, expansive RV parking, and exceptional curb appeal. The spacious primary suite is a private retreat with a spa-inspired bath, separate soaking tub and shower, dual vanities, and an oversized walk-in closet. The chef's kitchen is designed to impress with stainless steel appliances, a gas range, double ovens, a large walk-in pantry, and a stunning wine room perfect for entertaining. Step outside to your own resort-style backyard featuring an outdoor kitchen, private putting green, lush landscaping, and inviting spaces to relax or gather with family and friends. Ideally located near Verrado Marketplace, Goodyear Square, and just a stone's throw from the highly rated Belen Soto K-8 School, this exceptional home offers the perfect balance of luxury, convenience, and the Arizona lifestyle. With countless custom features and thoughtful upgrades throughout, there are simply too many extras to list--this home truly needs to be experienced in person.

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 $815,714. 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
Bathrooms3
Square feet3,245
Property typeSingle Family
MLS #7062675
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)
$296/mo
Source est. payment (PITI)
$762/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$815,714

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

$0$815,714
Additional funds needed$0

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