Properties / 1845 W CHIPMAN Road
FHA ASSUMABLERate: 2.96%

1845 W CHIPMAN Road

$249,900
Phoenix, AZ 85041
2 beds1 baths1,130 sqftSingle Family
The assumable advantage
2.96%
FHA assumed rate
$40,000 interest already paid off
Estimated Loan Balance$246,548
Cash to close$3,905
Est. Monthly PITI$1,633
Initial Loan Amount$276,892
Time on site41 days
Remaining Term24 years, 11 months
Seller's equity (what you pay)
$3,352
Cash or secondary financing
Monthly savings
$307
Versus today's market rate
Est. savings per year
$4K
Versus today's market rate

About this home

Opportunity awaits! This property offers incredible potential for investors, flippers, or buyers looking to create their dream home. Originally a 3-bedroom, 2-bathroom home, it is currently configured with 2 functional bedrooms and 1 functional bathroom. A previous remodel included the installation of a newer A/C unit, providing a solid starting point for the next owner. With the right vision and improvements, this home can shine once again. Conveniently located and priced with its current condition in mind, this is a chance to add value and build equity.

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 $3,352. 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

Bedrooms2
Bathrooms1
Square feet1,130
Property typeSingle Family
MLS #7061105
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)
$1,167/mo
Source est. payment (PITI)
$1,633/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$3,352

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

$0$3,352
Additional funds needed$0

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