Properties / 2266 N HERITAGE Street
FHA ASSUMABLERate: 6.62%

2266 N HERITAGE Street

$449,000
Buckeye, AZ 85396
3 beds3 baths2,278 sqftSingle Family
The assumable advantage
6.62%
FHA assumed rate
$34,911 interest already paid off
Estimated Loan Balance$419,533
Cash to close$29,870
Est. Monthly PITI$3,287
Initial Loan Amount$424,572
Time on site13 days
Remaining Term28 years, 9 months
Seller's equity (what you pay)
$29,467
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

Discover this charming 2-story home in the Verrado Community! Featuring 3 beds, 2 baths + powder room, a 2-car garage, low-care manicured landscape, and a beautiful stone-accent facade. Inside, you'll find high ceilings, a fresh designer palette, plush carpet & tile floors t/out, and an excellent open-concept floor plan. The eat-in kitchen boasts a pantry, recessed lighting, wood cabinets w/crown molding, granite countertops, SS appliances, a new stovetop, and an island w/breakfast bar. The sizable main bedroom includes an ensuite w/dual sinks, new fixtures, separate tub & glass-enclosed shower, and a walk-in closet. Outside, the backyard is complete with a pergola-covered patio & artificial turf, ideal for relaxing or entertaining. Comes with a brand-new water heater. Don't miss this gem!

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 $29,467. 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 feet2,278
Property typeSingle Family
MLS #7073061
CountyMaricopa County
Assumable loanFHA
Tour this home
In person or virtual.
Prefer virtual tour?
Free · No commitment · Typical reply in 15 min
Investor?
FHA is primary-residence only. But Jeff has VA assumables in the same area.
Jeff Salazar
Active now · (602) 332-3860
Call

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)
$2,722/mo
Source est. payment (PITI)
$3,287/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$29,467

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

$0$29,467
Additional funds needed$0

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