Properties / 2405 Sandpiper Drive
FHA ASSUMABLERate: 5.22%

2405 Sandpiper Drive

$299,900
Bullhead City, AZ 86442
3 beds2 baths1,340 sqftSingle Family
The assumable advantage
5.22%
FHA assumed rate
$48,372 interest already paid off
Estimated Loan Balance$230,248
Cash to close$70,331
Est. Monthly PITI$1,760
Initial Loan Amount$243,497
Time on site36 days
Remaining Term26 years, 2 months
Seller's equity (what you pay)
$69,652
Cash or secondary financing
Monthly savings
$423
Versus today's market rate
Est. savings per year
$5K
Versus today's market rate

About this home

Welcome to this beautiful 2022-built home offering modern style, quality upgrades, and a fantastic location in a desirable gated community! This move-in-ready home features 3 bedrooms, 2 bathrooms, and a spacious 2-car garage. Inside, you'll love the open-concept floor plan, upgraded window shades throughout, and abundant natural light. The spacious primary suite features a luxurious step-in shower, creating a relaxing retreat. Every detail has been thoughtfully designed for comfortable everyday living. Step outside to enjoy the professionally landscaped front and backyard, covered front and rear patios, and a backyard that's already plumbed and wired for a future spa making it easy to create your own private oasis. An enclosed trash can storage area adds convenience while maintaining the home's clean curb appeal. The gated community offers outstanding amenities, including a dog park, pickleball courts, sand volleyball court, horseshoe pits, and beautifully maintained common areas for residents to enjoy. Conveniently located near shopping, restaurants, medical facilities, the Colorado River, Laughlin casinos, and countless outdoor recreation opportunities, this home offers the perfect combination of comfort, style, and location. Why wait to build when you can own this like-new home with upgrades already completed? Don't miss your opportunity to make this exceptional property your own!

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 $69,652. 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

Bedrooms3
Bathrooms2
Square feet1,340
Property typeSingle Family
MLS #040362
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)
$1,346/mo
Source est. payment (PITI)
$1,760/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$69,652

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

$0$69,652
Additional funds needed$0

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