Properties / 3741 BARAHONA Drive
VA ASSUMABLERate: 2.74%

3741 BARAHONA Drive

$369,450
Sierra Vista, AZ 85650
4 beds2 baths2,017 sqftSingle Family
The assumable advantage
2.74%
VA assumed rate
$40,305 interest already paid off
Estimated Loan Balance$252,077
Cash to close$120,316
Est. Monthly PITI$1,455
Initial Loan Amount$284,900
Time on site50 days
Remaining Term24 years, 6 months
Seller's equity (what you pay)
$117,373
Cash or secondary financing
Monthly savings
$1,001
Versus today's market rate
Est. savings per year
$12K
Versus today's market rate

About this home

Welcome home to this beautifully updated 4-bedroom, 2-bath residence offering 2,017 sq ft of comfortable living in Sierra Vista. Built by Caliber Homes in 2004, this property blends quality construction with thoughtful upgrades and inviting spaces throughout. Step inside to a warm and welcoming living area featuring an elegant archway layout and a cozy gas fireplace--perfect for relaxing evenings or entertaining guests. The kitchen has been tastefully remodeled in 2023 and truly shines with updated cabinetry, granite countertops, a stylish butcher block island, older black appliances, and durable tile flooring--creating a space that's both functional and visually appealing. All four bedrooms offer flexibility for a variety of needs, including one currently used as a home office that features tile flooring instead of carpet--ideal for work-from-home convenience or a creative space. The hall bathroom has been upgraded with a brand-new walk-in shower completed in 2024. The primary bathroom offers a separate shower and soaking tub, along with double vanity sinks. An Arizona room adds versatile living space--perfect for enjoying morning coffee, cultivating plants, or relaxing year-round in a light-filled setting. Step outside to a fully landscaped backyard designed for both enjoyment and ease of maintenance. You'll find a blend of real grass, decorative gravel, garden beds, and even peach trees--creating a peaceful outdoor retreat with room to relax or entertain. Adding even more value, the home includes a solar system designed to offset all electrical needs, with the option to have it paid off at close of escrow with an acceptable offer--helping you enjoy long-term energy savings from day one. If you're looking for a well-maintained, upgraded home with charm, efficiency, and outdoor appeal, this one is a must-see!

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 $117,373. 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

Bedrooms4
Bathrooms2
Square feet2,017
Property typeSingle Family
MLS #7014571
CountyMaricopa County
Assumable loanVA
Tour this home
In person or virtual.
Prefer virtual tour?
Free · No commitment · Typical reply in 15 min
Investor?
This VA loan can be assumed and rented. Talk to Jeff about the ROI math.
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)
$1,178/mo
Source est. payment (PITI)
$1,455/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$117,373

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

$0$117,373
Additional funds needed$0

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