Properties / 149 W BAJA Road
FHA ASSUMABLERate: 2.87%

149 W BAJA Road

$135,320
Paulden, AZ 86334
4 beds2 baths1,447 sqftSingle Family
The assumable advantage
2.87%
FHA assumed rate
$20,457 interest already paid off
Estimated Loan Balance$136,746
Cash to close$0
Est. Monthly PITI$934
Initial Loan Amount$153,133
Time on site14 days
Remaining Term25 years, 2 months
Seller's equity (what you pay)
$0
Cash or secondary financing
Monthly savings
$162
Versus today's market rate
Est. savings per year
$2K
Versus today's market rate

About this home

This Contemporary Ranch style single family home offers 4 bedrooms and 2 bathrooms with approximately 1428 square feet of living space on a 0.16acre lot. It is a criminal offense to trespass on this property. Unauthorized entry is strictly prohibited. This is a cash or cash equivalent purchase only with no inspection or financing contingencies No Buyer Premium on this property. The seller makes no representations or warranties, express or implied, regarding the condition of this property. Buyers are encouraged to conduct their own due diligence prior to submitting an offer.

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 $0. 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

Bedrooms4
Bathrooms2
Square feet1,447
Property typeSingle Family
MLS #7072273
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)
$636/mo
Source est. payment (PITI)
$934/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

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

Confirm the current loan balance and equity requirement with an agent before estimating cash needed.