You can change paint, landscaping and finishes. What you can't recreate is a 4.0% mortgage rate. For a qualified VA buyer, this 2022-built North Copper Canyon home offers the opportunity to assume the seller's existing 4.0% VA loan -- a financing advantage that may be difficult to duplicate with nearby new construction. Offered at $390,000, this move-in-ready home features 3 bedrooms, 2 baths and 1,782 sq ft with a bright, open-concept layout, granite countertops, Maple Truffle cabinetry, a large kitchen island, pantry and seamless flow into the living and dining areas. The split-bedroom layout provides privacy, while the primary suite includes a walk-in closet, dual vanities and an upgraded super shower. Smart-home features, reverse osmosis, water softener, laundry shelving and garage storage add everyday convenience. Out back, the low-maintenance yard is a true blank canvas -- ready for turf, pavers, a firepit, outdoor kitchen or whatever fits your lifestyle. With no home directly behind the property, the yard also feels more open than many nearby options. Located near Canyon Park, walking paths and dog parks, this home offers the benefits of newer construction without the wait -- and, for a qualified VA buyer, a financing opportunity that sets it apart from the competition. VA loan assumption is subject to buyer qualification, lender/servicer approval, entitlement requirements and other applicable conditions. Buyer to verify all loan terms, eligibility and funds required to close.
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.
You need to cover the seller's equity of $13,128. If you don't have that in cash, we can help structure secondary financing to cover the gap.
Yes — VA assumptions can be used for investment properties. You can rent this home out.
Typically 45 days. The lender underwriting is 2–3 weeks, and the rest is standard closing.
Cash covers the gap between the price and the existing loan balance. Changing this amount does not change the existing mortgage payment.
P&I is principal and interest. PITI also includes estimated taxes and insurance. HOA fees and payments on any additional financing are separate.
Asking price minus remaining loan balance. Closing costs are additional.
The equity gap is covered. Closing costs and assumption fees still need to be confirmed.