Properties / 3713 W SAINT ANNE Avenue
VA ASSUMABLERate: 3.07%

3713 W SAINT ANNE Avenue

$419,000
Phoenix, AZ 85041
3 beds3 baths2,027 sqftSingle Family
The assumable advantage
3.07%
VA assumed rate
$40,942 interest already paid off
Estimated Loan Balance$268,215
Cash to close$153,076
Est. Monthly PITI$1,584
Initial Loan Amount$295,470
Time on site50 days
Remaining Term25 years, 4 months
Seller's equity (what you pay)
$150,785
Cash or secondary financing
Monthly savings
$1,201
Versus today's market rate
Est. savings per year
$14K
Versus today's market rate

About this home

Beautiful home nestled near the highly desirable South Mountain area! This spacious 3-bedroom + den residence offers flexible living space perfect for a home office, playroom, or guest retreat. Freshly painted throughout, the home feels bright, clean, and move-in ready. Situated on a large pie-shaped lot, the property provides an expansive backyard with endless possibilities, ideal for entertaining, gardening, or even adding a pool. Inside, you'll find a well-designed floor plan with generous living areas and comfortable bedrooms. Enjoy the convenience of nearby hiking, biking trails, parks, and easy access to shopping, dining, and major freeways--all while living in a peaceful, scenic neighborhood near South Mountain.

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 $150,785. 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
Bathrooms3
Square feet2,027
Property typeSingle Family
MLS #7020783
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)
$1,270/mo
Source est. payment (PITI)
$1,584/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$150,785

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

$0$150,785
Additional funds needed$0

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