Properties / 45614 W RANCH Road
VA ASSUMABLERate: 3.74%

45614 W RANCH Road

$459,000
Maricopa, AZ 85139
6 beds4 baths3,318 sqftSingle Family
The assumable advantage
3.74%
VA assumed rate
$58,226 interest already paid off
Estimated Loan Balance$219,983
Cash to close$239,500
Est. Monthly PITI$1,583
Initial Loan Amount$252,611
Time on site23 days
Remaining Term23 years, 6 months
Seller's equity (what you pay)
$239,017
Cash or secondary financing
Monthly savings
$1,533
Versus today's market rate
Est. savings per year
$18K
Versus today's market rate

About this home

Original owner and first time on the market! This well cared for home has 6 bedrooms, 3 1/2 bathrooms, FOUR CAR garage with a double gate, TWO laundry rooms and a sparkling POOL! It has FRESH neutral paint inside & out, newer AC and is ready for immediate move-in. The covered patio also has a gazebo that overlooks the pool and real grass- perfect for kids or pets! Upon entry you'll notice the bright formal sitting room and dining room which leads to the kitchen with granite counters, island and eat-in kitchen. Also downstairs is a den that could be converted to a 7th room or office and powder room along with a giant laundry room. Upstairs are the 6 bedrooms, 2 that share a jack-and-jill bathroom. The master suite has walk-in closet, separate shower and tub and private toilet. For added convenience, there is a second laundry room. Outside enjoy your private oasis under the covered patio or taking a dive into the sparkling Pebble-tec pool. The side yard has plenty of space with storage sheds and double gate for your toys or trailer. The Meadows neighborhood has walking paths, mature landscape, playgrounds, frisbee disk golf course and is located near several schools.

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 $239,017. 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

Bedrooms6
Bathrooms4
Square feet3,318
Property typeSingle Family
MLS #7068376
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)
$1,174/mo
Source est. payment (PITI)
$1,583/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$239,017

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

$0$239,017
Additional funds needed$0

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