Properties / 14812 N 45TH Way
VA ASSUMABLERate: 2.9%

14812 N 45TH Way

$989,000
Phoenix, AZ 85032
4 beds3 baths3,139 sqftSingle Family
The assumable advantage
2.9%
VA assumed rate
$47,434 interest already paid off
Estimated Loan Balance$320,389
Cash to close$669,322
Est. Monthly PITI$2,046
Initial Loan Amount$357,000
Time on site36 days
Remaining Term25 years, 3 months
Seller's equity (what you pay)
$668,611
Cash or secondary financing
Monthly savings
$4,339
Versus today's market rate
Est. savings per year
$52K
Versus today's market rate

About this home

Welcome to 45th Way, where generous living spaces, thoughtful design, and an exceptional backyard come together to create the perfect place to call home. Situated on an expansive 14,000 sq. ft. lot, this 4-bedroom, 3-bathroom residence offers the ideal blend of comfort, functionality, and outdoor living. Upon entering the new iron door, you're welcomed by a spacious living room that flows seamlessly into the formal dining area creating an inviting setting for everyday living and entertaining. The open-concept island kitchen overlooks the backyard oasis, offering views of the sparkling pool, elevated water feature, and private putting green. Just off the main living area, the cozy family room features a charming fireplace and provides the perfect space to relax. A full bathroom and laundry room are conveniently located nearby, with direct access to the backyard--ideal for pool days and outdoor gatherings. Upstairs, the expansive primary suite serves as a true retreat, complete with its own fireplace and ample space for a sitting area. The luxurious en-suite bath features dual vanities, a soaking Jacuzzi tub, separate shower, and a spacious walk-in closet. Three additional bedrooms are located down the hall and are serviced by a generously sized full bathroom. The oversized backyard is designed for Arizona living, featuring a large synthetic turf lawn, putting green, half basketball court, sparkling pool with an elevated water feature, and multiple entertaining spaces perfect for hosting family and friends. This exceptional home offers the space, amenities, and lifestyle today's buyers are looking for.

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 $668,611. 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

Bedrooms4
Bathrooms3
Square feet3,139
Property typeSingle Family
MLS #7061603
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)
$1,493/mo
Source est. payment (PITI)
$2,046/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$668,611

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

$0$668,611
Additional funds needed$0

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