Properties / 44545 W VINEYARD Street
FHA ASSUMABLERate: 3.07%

44545 W VINEYARD Street

$485,000
Maricopa, AZ 85139
3 beds2 baths2,446 sqftSingle Family
The assumable advantage
3.07%
FHA assumed rate
$50,193 interest already paid off
Estimated Loan Balance$332,289
Cash to close$158,992
Est. Monthly PITI$2,151
Initial Loan Amount$362,230
Time on site50 days
Remaining Term25 years, 4 months
Seller's equity (what you pay)
$152,711
Cash or secondary financing
Monthly savings
$1,286
Versus today's market rate
Est. savings per year
$15K
Versus today's market rate

About this home

Welcome to this stunning 3-bedroom, 2-bath home that perfectly blends comfort, style, and functionality. Step inside to a bright, open layout featuring a spacious living area and a dedicated dining room perfect for entertaining or family gatherings. The kitchen shines with granite countertops, stainless steel appliances, and ample cabinet space. A bonus room provides flexibility for a home office, playroom, or extra guest space. The large primary suite offers privacy and relaxation with its own ensuite bath.The garage features a Tesla charging station. Step outside to your own backyard oasis! Enjoy the gorgeous pool surrounded by mature landscaping and plenty of space to relax. The RV gate and oversized lot provide convenience and additional outdoor space for storage or hobbies.

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 $152,711. 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
Bathrooms2
Square feet2,446
Property typeSingle Family
MLS #6942588
CountyMaricopa County
Assumable loanFHA
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Investor?
FHA is primary-residence only. But Jeff has VA assumables in the same area.
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)
$1,574/mo
Source est. payment (PITI)
$2,151/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$152,711

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

$0$152,711
Additional funds needed$0

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