Properties / 25843 N 165TH Lane
VA ASSUMABLERate: 3.47%

25843 N 165TH Lane

$375,000
Surprise, AZ 85387
3 beds2 baths1,716 sqftSingle Family
The assumable advantage
3.47%
VA assumed rate
$40,192 interest already paid off
Estimated Loan Balance$168,599
Cash to close$207,532
Est. Monthly PITI$1,097
Initial Loan Amount$193,000
Time on site50 days
Remaining Term23 years, 8 months
Seller's equity (what you pay)
$206,401
Cash or secondary financing
Monthly savings
$1,340
Versus today's market rate
Est. savings per year
$16K
Versus today's market rate

About this home

A true Diamond in the Rough, this home is sure to impress. Lived in and loved, this Gem is ready for new memories to be made. Offering 3 bedrooms and 2 bathrooms wrapped up into a 1,716 sqft single story home, this Beauty has so much to offer. Key features include owned solar with an average monthly APS bill of $48.54, brand new kitchen cabinets and countertops, stainless steel appliances, roof warranty through Solar good until Jan. 2029, new bathroom fixtures, newly remodeled master shower by Jacuzzi, backyard pavers and Turf, no neighbors behind, and so much more. Located in the community of Desert Oasis, you are gifted the opportunity to blend the perfect balance of peace and quiet, while still being close to local dining, shopping, and highway access.

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 $206,401. 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
Bathrooms2
Square feet1,716
Property typeSingle Family
MLS #7043635
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)
$871/mo
Source est. payment (PITI)
$1,097/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$206,401

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

$0$206,401
Additional funds needed$0

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