Properties / 21294 W YALE Street
FHA ASSUMABLERate: 6.5%

21294 W YALE Street

$539,000
Buckeye, AZ 85396
3 beds3 baths2,322 sqftSingle Family
The assumable advantage
6.5%
FHA assumed rate
$29,682 interest already paid off
Estimated Loan Balance$389,371
Cash to close$150,009
Est. Monthly PITI$3,081
Initial Loan Amount$393,772
Time on site50 days
Remaining Term28 years, 10 months
Seller's equity (what you pay)
$149,629
Cash or secondary financing
Monthly savings
$685
Versus today's market rate
Est. savings per year
$8K
Versus today's market rate

About this home

Nestled in the sought-after Sienna Hills community, this corner-lot home is surrounded by breathtaking mountain & desert views. Enjoy a peaceful setting just steps from the community clubhouse, resort-style pool, parks, walking trails & neighborhood amenities. The single-level floor plan features 9+ ft ceilings, no interior steps & an open, flexible layout. A bonus room is ideal for an office, playroom or media room, while the oversized second bedroom offers double the space for guests, multigenerational living or a shared bedroom. Smart home features, energy-efficient dual-pane windows, a 3-car garage & the added privacy of a corner lot complete this exceptional home.

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 $149,629. 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 feet2,322
Property typeSingle Family
MLS #7013784
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)
$2,494/mo
Source est. payment (PITI)
$3,081/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$149,629

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

$0$149,629
Additional funds needed$0

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