Properties / 13784 W COUNTRY GABLES Drive
VA ASSUMABLERate: 7.02%

13784 W COUNTRY GABLES Drive

$472,000
Surprise, AZ 85379
3 beds3 baths2,387 sqftSingle Family
The assumable advantage
7.02%
VA assumed rate
$68,059 interest already paid off
Estimated Loan Balance$442,390
Cash to close$29,610
Est. Monthly PITI$3,290
Initial Loan Amount$452,300
Time on site0 days
Remaining Term27 years, 10 months
Seller's equity (what you pay)
$29,610
Cash or secondary financing
Monthly savings
$0
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

Fall in love with this charming 2-story home with a POOL in Litchfield Manor! This 3-bed, 2-bath + powder room home features new interior paint, new downstairs laminate flooring, a new AC system (2021, Parker and Sons), and a new water heater (2022), plus low-care desert landscaping and a 2-car extended garage with built-in cabinets. Inside, vaulted ceilings and natural light highlight wood-look floors, slate-style tile, and plush carpet throughout. The family room flows into the eat-in kitchen with wood cabinetry, granite counters, built-in appliances, stone-tile backsplash, and a breakfast bar. The primary bedroom offers a private bath with tiled shower and walk-in closet, while a versatile loft and open den provide flex space for a home office. Welcome home to Litchfield Manor. The backyard oasis is complete with a covered patio, separate paver seating area, built-in BBQ, storage shed, and a sparkling pool w/Baja shelf, ideal for relaxing or entertaining. Enjoy a community playground & biking/walking paths, plus convenient access to Surprise Stadium, Bell Rd shopping & dining, Prasada-area amenities, and Loop 303. Don't miss this gem!

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 $29,610. 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 feet2,387
Property typeSingle Family
MLS #7079420
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)
$3,018/mo
Source est. payment (PITI)
$3,290/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$29,610

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

$0$29,610
Additional funds needed$0

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