Properties / 3710 N Horse Mesa Road
VA ASSUMABLERate: 2.74%

3710 N Horse Mesa Road

$299,900
Golden Valley, AZ 86413
3 beds2 baths1,383 sqftSingle Family
The assumable advantage
2.74%
VA assumed rate
$20,966 interest already paid off
Estimated Loan Balance$131,126
Cash to close$169,997
Est. Monthly PITI$860
Initial Loan Amount$148,200
Time on site36 days
Remaining Term24 years, 7 months
Seller's equity (what you pay)
$168,774
Cash or secondary financing
Monthly savings
$1,158
Versus today's market rate
Est. savings per year
$14K
Versus today's market rate

About this home

Pride of ownership shines throughout this 3-bedroom, 2 full bath home featuring a 2-car garage, plus an additional detached 1-car garage and separate workshop/storage shed, all situated on 1.17 fully fenced acres. Conveniently located just off paved roads on county-maintained roads, this well-maintained property is surrounded by neighboring properties that are also well cared for, adding to the area s overall appeal. Step into the inviting living room with a pass-through window to the kitchen, where you ll find plenty of countertop space and abundant cabinetry. Attractive shutters on all the windows throughout the home add style and charm. A separate dining room provides direct access to the large covered back patio, perfect for relaxing or entertaining. The spacious primary bedroom includes a full bath, a large walk-in closet, and a private door leading out to the back patio. Outside, the backyard features a permitted detached 1-car garage complete with evaporative cooling and concrete flooring. There is also an additional enclosed carport that could serve as a workshop, storage shed, or even a potential barn. Mature trees and established vegetation provide shade and privacy throughout the property. A large gated entry, along with separately fenced front and back yards, adds convenience and versatility. This property is ready for you to make it your own.

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 $168,774. 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 feet1,383
Property typeSingle Family
MLS #039045
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)
$611/mo
Source est. payment (PITI)
$860/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$168,774

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

$0$168,774
Additional funds needed$0

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