Properties / 12729 N 145TH Drive
FHA ASSUMABLERate: 5.23%

12729 N 145TH Drive

$530,000
Surprise, AZ 85379
4 beds3 baths2,192 sqftSingle Family
The assumable advantage
5.23%
FHA assumed rate
$91,812 interest already paid off
Estimated Loan Balance$411,472
Cash to close$122,170
Est. Monthly PITI$3,079
Initial Loan Amount$434,472
Time on site50 days
Remaining Term25 years, 11 months
Seller's equity (what you pay)
$118,528
Cash or secondary financing
Monthly savings
$707
Versus today's market rate
Est. savings per year
$8K
Versus today's market rate

About this home

A beautiful and very well-maintained house in a well-known community in Surprise - the Marley Park. It is a master planned community where pleasure and convenience come together. Streets lined-up with trees, walking and biking path, lots of open spaces and playgrounds. Most of all the community offers a clubhouse offers entertainment for all ages. Swimming pools, playgrounds, courts, meeting rooms, an event place. The house sits in front of the park. This is 4 bedrooms with 3 full baths. All tiles in common areas, carpets in bedrooms. 10' high ceiling, 8' doors, spacious bedrooms and 42'' kitchen cabinets and upgraded granite countertop. The house has a covered patio and a covered court yard. An easy to maintain backyard designed for entertainment and relaxing. Come and see this love

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 $118,528. 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
Bathrooms3
Square feet2,192
Property typeSingle Family
MLS #6994448
CountyMaricopa County
Assumable loanFHA
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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)
$2,419/mo
Source est. payment (PITI)
$3,079/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$118,528

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

$0$118,528
Additional funds needed$0

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