Properties / 42509 N ACADIA Way
FHA ASSUMABLERate: 2.74%

42509 N ACADIA Way

$720,000
Anthem, AZ 85086
6 beds4 baths3,521 sqftSingle Family
The assumable advantage
2.74%
FHA assumed rate
$44,335 interest already paid off
Estimated Loan Balance$274,698
Cash to close$445,953
Est. Monthly PITI$2,028
Initial Loan Amount$313,390
Time on site35 days
Remaining Term24 years, 6 months
Seller's equity (what you pay)
$445,302
Cash or secondary financing
Monthly savings
$2,962
Versus today's market rate
Est. savings per year
$36K
Versus today's market rate

About this home

Experience breathtaking mountain views and exceptional versatility in this beautifully updated home featuring a private casita. Soaring vaulted ceilings, abundant natural light, plantation shutters, and luxury vinyl plank flooring create a bright and welcoming atmosphere throughout. The spacious great room is centered around a cozy fireplace, providing the perfect setting for both everyday living and entertaining. The updated kitchen showcases new appliances, ample cabinetry, and generous workspace, while the beautifully renovated bathrooms offer modern finishes and a spa-like feel. The spacious primary suite and additional bedrooms provide comfort and flexibility for family and guests. A standout feature of the property is the detached casita with its own full bathroom, ideal for guests multigenerational living, a private office, or a creative studio. Step outside to enjoy a backyard designed for Arizona living, complete with low-maintenance turf, a swim spa, a private splash pad, and plenty of space to relax or entertain while taking in the stunning mountain scenery.

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 $445,302. 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

Bedrooms6
Bathrooms4
Square feet3,521
Property typeSingle Family
MLS #7055798
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)
$1,284/mo
Source est. payment (PITI)
$2,028/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$445,302

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

$0$445,302
Additional funds needed$0

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