Properties / 189 LAGUNA Drive E
VA ASSUMABLERate: 6.72%

189 LAGUNA Drive E

$384,000
Litchfield Park, AZ 85340
2 beds2 baths1,125 sqftSingle Family
The assumable advantage
6.72%
VA assumed rate
$23,540 interest already paid off
Estimated Loan Balance$299,318
Cash to close$85,237
Est. Monthly PITI$2,161
Initial Loan Amount$302,000
Time on site50 days
Remaining Term28 years, 11 months
Seller's equity (what you pay)
$84,682
Cash or secondary financing
Monthly savings
$307
Versus today's market rate
Est. savings per year
$4K
Versus today's market rate

About this home

Charming, move-in-ready single-level home in the heart of historic Old Town Litchfield Park! This bright 2-bedroom, 2-bath residence offers 1,125 sq ft of thoughtfully updated living space, anchored by a soaring vaulted living room with clerestory windows that flood the space with natural light. New wood-look laminate flooring flows throughout, complementing a functional kitchen and two generously sized bedrooms with ample closet storage. Enjoy the ease of an inside laundry room and a covered two-car carport with extra storage. Step outside to mature, low-maintenance desert landscaping and a private courtyard entry. No HOA. Set on a quiet, tree-lined street, this home is just a short stroll to Litchfield Elementary School, the community library, neighborhood pool, tennis courts, and the historic Wigwam Resort's 54 holes of championship golf. Enjoy easy access to Old Litchfield Road shopping and dining, Goodyear Ballpark, and quick commutes via I-10. Perfect as a low-maintenance primary residence, lock-and-leave second home, or savvy investment in one of the West Valley's most established, walkable communities. Schedule your private showing today and discover why Old Town Litchfield Park living is in high demand!

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 $84,682. 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

Bedrooms2
Bathrooms2
Square feet1,125
Property typeSingle Family
MLS #7054420
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)
$1,958/mo
Source est. payment (PITI)
$2,161/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$84,682

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

$0$84,682
Additional funds needed$0

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