Properties / 320 W SAGUARO ARM Trail
VA ASSUMABLERate: 5.27%

320 W SAGUARO ARM Trail

$725,000
Oro Valley, AZ 85755
3 beds3 baths2,537 sqftSingle Family
The assumable advantage
5.27%
VA assumed rate
$85,485 interest already paid off
Estimated Loan Balance$365,078
Cash to close$363,720
Est. Monthly PITI$2,605
Initial Loan Amount$386,463
Time on site50 days
Remaining Term25 years, 8 months
Seller's equity (what you pay)
$359,922
Cash or secondary financing
Monthly savings
$2,111
Versus today's market rate
Est. savings per year
$25K
Versus today's market rate

About this home

Gorgeous contemporary style 3 BD, 3 BA home situated on an ''oversized'' corner lot with southern exposure, unrestricted views of the Catalina and Tortolita Mountains backing to the ''Vistoso Trails Nature Preserve'' in the highly sought after peaceful gated community of Rancho Vistoso Highlands in Oro Valley. This gorgeous home is pristine and ''like new'' with 3-4 bedrooms, 2.5 Baths, Gourmet Kitchen, Den, ''Teen room'' or ''Man Cave'', oversized 2 Car Garage with Epoxy Floors. Exterior features include towered courtyard with Security Gate and matching Security Door, Stone Exterior with Rain Gutters and Downspouts, Paved Courtyard with Breathtaking Mountain views. The Bronze/Copper Garage Door is stunning! The upgraded mature ''Boulder and Cactus'' landscaping package is amazing! Check out the Highlights and Features List! There really so much to love about this irresistible 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 $359,922. 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 feet2,537
Property typeSingle Family
MLS #6966785
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)
$2,165/mo
Source est. payment (PITI)
$2,605/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$359,922

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

$0$359,922
Additional funds needed$0

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