Properties / 16549 W ARROYO Court
VA ASSUMABLERate: 6.19%

16549 W ARROYO Court

$799,000
Surprise, AZ 85374
3 beds2 baths2,282 sqftSingle Family
The assumable advantage
6.19%
VA assumed rate
$29,556 interest already paid off
Estimated Loan Balance$634,759
Cash to close$164,241
Est. Monthly PITI$4,444
Initial Loan Amount$639,120
Time on site7 days
Remaining Term29 years, 4 months
Seller's equity (what you pay)
$164,241
Cash or secondary financing
Monthly savings
$798
Versus today's market rate
Est. savings per year
$10K
Versus today's market rate

About this home

Exuding polished sophistication and timeless elegance, this iconic Golf-Course Custom Stonecrest with Private Pool stands as a rare jewel within the prestigious The Grand. Perfectly positioned on one of the community's largest and most private cul-de-sac golf lots--17,618 sq ft--this residence delivers uninterrupted luxury from front to back. The approach is striking, with lush, manicured curb appeal accented by new 2025 front pavers, setting the tone for the exceptional quality found throughout. The resort-style backyard is a true sanctuary, featuring a fully redone private swimming pool (2025) wrapped in travertine decking, upgraded irrigation, new rock and the addition of five palm trees and fruit trees, creating a lush, secluded oasis. Inside, the home unfolds with continuous upgraded tile flooring (2023), remodeled baseboards, and the thoughtful removal of the media wall, enhancing the architectural openness and elegance. A fresh 2023 interior paint palette and new plantation shutters elevate the home's refined aesthetic, complemented by newer window replacements throughout most of the residence. The 2023 remodeled primary bath is a spa-inspired retreat, showcasing a large tiled shower, dual sinks, a private toilet room, and an expansive walk-in closet. The kitchen has been beautifully updated with Quartzite countertops and a custom bar area with beverage cooler, blending functionality with luxury. This beloved Stonecrest floor plan is celebrated for its versatility--its formal living and dining spaces can flex as bonus rooms, lounge areas, or hobby retreats, adapting effortlessly to any lifestyle. The family room is wrapped in windows, offering serene pool and golf views while maintaining exceptional privacy. Major mechanical updates add peace of mind: new roof (2023), new patio roof (2024), new hot water tank (2026), and 2025 epoxy garage flooring with expanded space for a golf cart. Meticulously cared for and extensively upgraded, this residence is a rare opportunity for buyers seeking a truly refined, move-in-ready luxury home on one of The Grand's most coveted golf lots.

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 $164,241. 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 feet2,282
Property typeSingle Family
MLS #7075733
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)
$3,914/mo
Source est. payment (PITI)
$4,444/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$164,241

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

$0$164,241
Additional funds needed$0

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