Properties / 20378 W Maiden Lane
VA ASSUMABLERate: 3.14%

20378 W Maiden Lane

$575,000
Buckeye, AZ 85396
3 beds2 baths1,933 sqftSingle Family
The assumable advantage
3.14%
VA assumed rate
$56,278 interest already paid off
Estimated Loan Balance$356,255
Cash to close$224,746
Est. Monthly PITI$2,134
Initial Loan Amount$390,400
Time on site50 days
Remaining Term25 years, 2 months
Seller's equity (what you pay)
$218,745
Cash or secondary financing
Monthly savings
$1,683
Versus today's market rate
Est. savings per year
$20K
Versus today's market rate

About this home

This inviting 3-bedroom, 2-bathroom home offers a bright open-concept layout designed for comfortable living and effortless entertaining. The kitchen is truly an entertainer's delight, featuring generous counter space and ample cabinetry while remaining open to the main living areas. The primary bedroom provides a relaxing retreat with a spa-inspired en-suite bathroom complete with a walk-in shower and dual vanity. Step outside to a fully completed backyard showcasing a paver patio extension, multiple trees & bushes, and a convenient storage shed. A 4-car Tandem garage with abundant built-in cabinets adds exceptional storage and functionality.

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 $218,745. 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 feet1,933
Property typeSingle Family
MLS #6974195
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)
$1,708/mo
Source est. payment (PITI)
$2,134/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$218,745

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

$0$218,745
Additional funds needed$0

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