Properties / 18154 E VIA MARGARITA
VA ASSUMABLERate: 2.76%

18154 E VIA MARGARITA

$510,000
Gold Canyon, AZ 85118
5 beds3 baths2,791 sqftSingle Family
The assumable advantage
2.76%
VA assumed rate
$39,419 interest already paid off
Estimated Loan Balance$88,260
Cash to close$427,676
Est. Monthly PITI$1,797
Initial Loan Amount$203,914
Time on site50 days
Remaining Term5 years, 3 months
Seller's equity (what you pay)
$421,740
Cash or secondary financing
Monthly savings
$1,501
Versus today's market rate
Est. savings per year
$18K
Versus today's market rate

About this home

MUST SEE! Beautiful 2-story home in Gold Canyon with stunning mountain views & low-maintenance landscaping! Features include 2 new Trane A/C units, new water heater, under-sink RO, whole house water softener, LED lighting throughout, & fresh interior paint. Upgraded kitchen with quartz countertops, pullout cabinets, & custom finishes. Spacious layout with porcelain tile throughout, updated primary ensuite w/ walk-in shower, custom office cabinetry, & ceiling fans in every room. Backyard built for entertaining with 5ft play pool, rebuilt pump, ramada/pergola, gas fire pit, outdoor kitchen with limestone counters, & paver patio. 4-car tandem garage w/ workshop & mini split, cabinets, 220 outlet, RV gate, and ample parking. Close to hiking, atv trails & Desert Wells Recreation Area!

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 $421,740. 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

Bedrooms5
Bathrooms3
Square feet2,791
Property typeSingle Family
MLS #7014583
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)
$1,507/mo
Source est. payment (PITI)
$1,797/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$421,740

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

$0$421,740
Additional funds needed$0

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