Properties / 4511 S 104TH Drive
FHA ASSUMABLERate: 6.57%

4511 S 104TH Drive

$465,000
Tolleson, AZ 85353
4 beds2 baths1,788 sqftSingle Family
The assumable advantage
6.57%
FHA assumed rate
$81,524 interest already paid off
Estimated Loan Balance$384,769
Cash to close$80,664
Est. Monthly PITI$3,110
Initial Loan Amount$398,881
Time on site10 days
Remaining Term26 years, 10 months
Seller's equity (what you pay)
$80,231
Cash or secondary financing
Monthly savings
$197
Versus today's market rate
Est. savings per year
$2K
Versus today's market rate

About this home

Welcome to Trouvaille! This gorgeous, move-in-ready 4-bedroom, 2-bath home offers 1,788 sq. ft. of thoughtfully designed living space with a desirable split floor plan and 2-car garage. The bright great room flows into a stunning kitchen featuring quartz countertops, lots of cabinetry, stainless steel appliances, a spacious island with breakfast bar, pantry, and tile flooring. The private primary suite boasts dual vanities, a large walk-in shower and a generous walk-in closet. Situated on a corner lot, the home features a low-maintenance stone backyard with a covered patio--perfect for BBQs and entertaining. Conveniently located near schools, shopping, and I-10 & 202 freeways!

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 $80,231. 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

Bedrooms4
Bathrooms2
Square feet1,788
Property typeSingle Family
MLS #7073827
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)
$2,545/mo
Source est. payment (PITI)
$3,110/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$80,231

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

$0$80,231
Additional funds needed$0

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