Properties / 15792 W DESERT MIRAGE Drive
VA ASSUMABLERate: 2.25%

15792 W DESERT MIRAGE Drive

$625,000
Surprise, AZ 85379
5 beds3 baths3,924 sqftSingle Family
The assumable advantage
2.25%
VA assumed rate
$60,822 interest already paid off
Estimated Loan Balance$452,526
Cash to close$175,886
Est. Monthly PITI$2,309
Initial Loan Amount$518,900
Time on site50 days
Remaining Term24 years, 6 months
Seller's equity (what you pay)
$172,474
Cash or secondary financing
Monthly savings
$1,682
Versus today's market rate
Est. savings per year
$20K
Versus today's market rate

About this home

2.25% ASSUMABLE VA LOAN AVAILABLE! OWNED PAID OFF SOLAR! Spacious home on an oversized lot with a 3 car garage, RV gate, private pool with removable safety fence, and a flexible floor plan featuring 2 bedrooms and a full bathroom downstairs. The primary suite includes 2 walk in closets, dual sinks, separate tub and shower, and a covered balcony. The kitchen features a gas stove, center island, and ample cabinet space. Additional highlights include soaring ceilings, a fireplace, upgraded lighting and fixtures, and a huge loft. Outside, enjoy a covered patio, grass area, pavers, and a sparkling pool. Conveniently located near Loop 303, Costco, Prasada, shopping, dining, and entertainment.

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 $172,474. 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

Bedrooms5
Bathrooms3
Square feet3,924
Property typeSingle Family
MLS #7034503
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)
$2,004/mo
Source est. payment (PITI)
$2,309/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$172,474

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

$0$172,474
Additional funds needed$0

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