July 2026 Updates - HVAC, Roof, Sewer line - Original owner since 2003 - Flat solar lease keeps electric payments consistent. Pebbletec pool /spa - gas pool heater. 4th bedroom option (now a den). Furnished Has been a rental with good income since 2021. Newer - washer, dryer, dishwasher, garage door opener, water softener. Extra insulation in attic/walls. Seller has an assumable mortgage. Inquire for details that could save you money.
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.
You need to cover the seller's equity of $340,678. If you don't have that in cash, we can help structure secondary financing to cover the gap.
Yes — VA assumptions can be used for investment properties. You can rent this home out.
Typically 45 days. The lender underwriting is 2–3 weeks, and the rest is standard closing.
Cash covers the gap between the price and the existing loan balance. Changing this amount does not change the existing mortgage payment.
P&I is principal and interest. PITI also includes estimated taxes and insurance. HOA fees and payments on any additional financing are separate.
Asking price minus remaining loan balance. Closing costs are additional.
The equity gap is covered. Closing costs and assumption fees still need to be confirmed.