Properties / 39539 N DUSTY Drive
FHA ASSUMABLERate: 6.63%

39539 N DUSTY Drive

$355,000
San Tan Valley, AZ 85140
3 beds3 baths1,975 sqftSingle Family
The assumable advantage
6.63%
FHA assumed rate
$56,880 interest already paid off
Estimated Loan Balance$363,182
Cash to close$0
Est. Monthly PITI$2,810
Initial Loan Amount$372,331
Time on site10 days
Remaining Term27 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

** APPROVED FHA SHORT SALE at LIST PRICE AND $10,000 IN SELLER CONCESSIONS ** Absolutely Stunning 3 Bedroom, 2.5 Bath, Two Story Home Located in Desired Pecan Creek North Community, Premium Lot Boarding HOA Common Area, Totally Remodeled in 2025, Upgraded Kitchen w/Custom Cabinets & Quartz Countertops, Newer Stainless Steel Appliances, Kitchen Island w/Breakfast Bar, Eat-In Kitchen Dining, Open to Great Room, Master Bedroom w/Walk-In Closet, Remodeled Master Bathroom w/Dual Sinks & Custom Walk-In Shower, 2 Additional Bedrooms & Remodeled Hallway Bathroom, New Flooring Throughout, Water Softener Included, Covered Backyard Patio w/Professional Landscaping Front & Back, 2 Car Garage. When Home Was Remodeled Home Was Changed From 4 Bedroom to 3 Large Bedrooms, Come Check It Out!

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 $0. 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

Bedrooms3
Bathrooms3
Square feet1,975
Property typeSingle Family
MLS #7074040
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)
$2,388/mo
Source est. payment (PITI)
$2,810/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.