Properties / 23345 W LOS HUESOS Way
VA ASSUMABLERate: 3.62%

23345 W LOS HUESOS Way

$379,000
Congress, AZ 85332
3 beds2 baths1,861 sqftSingle Family
The assumable advantage
3.62%
VA assumed rate
$46,382 interest already paid off
Estimated Loan Balance$173,530
Cash to close$208,567
Est. Monthly PITI$1,155
Initial Loan Amount$198,900
Time on site50 days
Remaining Term23 years, 1 month
Seller's equity (what you pay)
$205,470
Cash or secondary financing
Monthly savings
$1,310
Versus today's market rate
Est. savings per year
$16K
Versus today's market rate

About this home

BUYER WAS UNABLE TO PREFORM SO WE ARE READY TO GO! Beautifully furnished with so many improvement and extras. This Santa Fe style 3BD 2BA home sits on a large cul-de-sac lot w/ stunning views of the Weaver Mtns. All BD feature walk-in closets. The bright great room & dining area offer abundant natural light, while the kitchen includes a walk-in pantry & island. Split floor plan with a large primary suite featuring a double vanity, soaking tub, and separate shower. Enjoy the 400 sq. ft screened in AZ Room, Eco-Spa, and landscaped grounds filled with mature trees and shrubs. Well-lit detached garage, 600 sq. ft with full concrete floor & attached 200 sq. ft workshop, added electrical and parking for large RV. Charming she-shed for creative pursuits. Peaceful, private, Welcome Home!

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 $205,470. 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
Bathrooms2
Square feet1,861
Property typeSingle Family
MLS #6981069
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)
$925/mo
Source est. payment (PITI)
$1,155/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$205,470

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

$0$205,470
Additional funds needed$0

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