Properties / 17748 W CAROL Avenue
FHA ASSUMABLERate: 6.5%

17748 W CAROL Avenue

$599,900
Waddell, AZ 85355
4 beds4 baths3,221 sqftSingle Family
The assumable advantage
6.5%
FHA assumed rate
$53,763 interest already paid off
Estimated Loan Balance$547,980
Cash to close$52,465
Est. Monthly PITI$3,948
Initial Loan Amount$555,809
Time on site46 days
Remaining Term28 years, 7 months
Seller's equity (what you pay)
$51,920
Cash or secondary financing
Monthly savings
$18
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

Welcome to this beautifully appointed newer home in the desirable Zanjero Pass community, where modern design, flexible living, and everyday comfort come together seamlessly. Step inside to soaring ceilings, abundant natural light, and an expansive open-concept layout designed for both entertaining and everyday living. At the heart of the home is a stunning chef-inspired kitchen featuring a massive quartz island, rich espresso cabinetry, stainless steel appliances, generous counter space, and a layout that flows effortlessly into the spacious great room. A true standout feature is the private downstairs primary suite, offering the convenience and comfort of main-level living. This spacious retreat features a spa-inspired ensuite bath complete with dual vanities, an oversized walk-in shower, private water closet, and a large walk-in closet, creating the perfect space to relax and unwind. Just off the entry, you'll find a versatile flex room that can easily serve as a home office, formal dining room, playroom, or additional living space, along with a convenient powder room for guests. Upstairs, an oversized loft provides endless possibilities as a media room, game room, home gym, or second family room. The generously sized secondary bedrooms offer plenty of space for family and guests, with each bedroom featuring its own walk-in closet--a rare and highly desirable feature that provides exceptional storage while maintaining privacy from the downstairs primary suite. Additional features include beautiful wood-look tile flooring throughout the main living areas, recessed lighting, neutral finishes, ample storage, a spacious two-car garage, and a covered patio overlooking a blank-slate backyard ready to become your dream outdoor retreat.

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 $51,920. 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
Bathrooms4
Square feet3,221
Property typeSingle Family
MLS #7059010
CountyMaricopa County
Assumable loanFHA
Tour this home
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Prefer virtual tour?
Free · No commitment · Typical reply in 15 min
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)
$3,520/mo
Source est. payment (PITI)
$3,948/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$51,920

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

$0$51,920
Additional funds needed$0

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