Properties / 14739 W WATSON Lane
VA ASSUMABLERate: 6.5%

14739 W WATSON Lane

$387,500
Surprise, AZ 85379
3 beds2 baths1,603 sqftSingle Family
The assumable advantage
6.5%
VA assumed rate
$34,269 interest already paid off
Estimated Loan Balance$393,345
Cash to close$0
Est. Monthly PITI$2,756
Initial Loan Amount$398,180
Time on site50 days
Remaining Term28 years, 9 months
Seller's equity (what you pay)
$0
Cash or secondary financing
Monthly savings
$0
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

Beautiful, recently updated home! Split floor plan with 2 large secondary bedrooms, a large main bedroom with ensuite & walk-in closet, Living area is open, spacious and inviting with an abundance of natural lightening! The kitchen boasts a large island with room to gather around, quartz countertops, and newer, only a year or so old, SS appliances. NEW washer/dryer in laundry! Along with a recent kitchen remodel, bathrooms, flooring, ceiling fans, 2 in. blinds, fixtures throughout and interior paint have been updated. Ashton Ranch is a sought after community as it is centrally located to shopping, major highways and multiple pools/playgrounds throughout the community.

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 $0. 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 feet1,603
Property typeSingle Family
MLS #7055224
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)
$2,522/mo
Source est. payment (PITI)
$2,756/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

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

Confirm the current loan balance and equity requirement with an agent before estimating cash needed.