Properties / 4314 E HARVARD Avenue
FHA ASSUMABLERate: 3.06%

4314 E HARVARD Avenue

$544,900
Gilbert, AZ 85234
3 beds3 baths2,171 sqftSingle Family
The assumable advantage
3.06%
FHA assumed rate
$47,148 interest already paid off
Estimated Loan Balance$282,602
Cash to close$264,785
Est. Monthly PITI$1,877
Initial Loan Amount$315,425
Time on site50 days
Remaining Term24 years, 10 months
Seller's equity (what you pay)
$262,298
Cash or secondary financing
Monthly savings
$1,858
Versus today's market rate
Est. savings per year
$22K
Versus today's market rate

About this home

Tucked into one of Gilbert's most established neighborhoods, this 3 bed, 2.5 bath home with a versatile upstairs loft has been thoughtfully refreshed and is ready for its next chapter. Step inside to soaring vaulted ceilings, crisp white walls, and wide-plank luxury vinyl flooring that runs throughout the main level. The formal living and dining space is bright and open, anchored by a statement black lantern chandelier and oversized windows that pull in natural light from every angle. The kitchen has been updated with bright quartz-look counters, a deep single-basin sink, matte black pull-down faucet, and stainless appliances, all set against warm wood cabinetry for a clean, modern-meets-warm feel. It flows directly into the breakfast nook and family room, where a wood-burning fireplace and updated ceiling fan make it the easy gathering spot of the home. Upstairs, a spacious loft gives you a true bonus room -- playroom, second living area, home office, you choose. The primary suite is generously sized with room for a sitting area, and the secondary bedrooms are bright and comfortable. Both upstairs baths have been given personality with designer wallpaper and updated lighting. Out back is where this lot really earns its keep. A sparkling pebble-finish pool, covered patio, generous grass yard, and mature palms, plus an RV gate on the side for your toys, trailer, or extra parking. Highland school district. Easy access to the 60, San Tan Village, Heritage District, and everything that makes Gilbert one of the most desirable spots in the Valley.

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 $262,298. 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
Bathrooms3
Square feet2,171
Property typeSingle Family
MLS #7028335
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)
$1,355/mo
Source est. payment (PITI)
$1,877/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$262,298

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

$0$262,298
Additional funds needed$0

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