Properties / 2789 Esmerelda Drive
FHA ASSUMABLERate: 7.06%

2789 Esmerelda Drive

$435,000
Bullhead City, AZ 86429
3 beds2 baths1,706 sqftSingle Family
The assumable advantage
7.06%
FHA assumed rate
$57,516 interest already paid off
Estimated Loan Balance$372,478
Cash to close$62,874
Est. Monthly PITI$3,039
Initial Loan Amount$380,036
Time on site36 days
Remaining Term27 years, 11 months
Seller's equity (what you pay)
$62,522
Cash or secondary financing
Monthly savings
$16
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

Looking for that golf course GATED COMMUNITY home with BOAT DEEP garage & GOLF COURSE views? Look no further than the most sought-after golf course community in Bullhead City, AZ which is Laughlin Ranch & this 1706 sf 3 bed 2 bath home that is ready for immediate occupancy. Located on a spacious .17-acre lot that backs to the green of hole #4, you will have plenty of room to roam & be able to enjoy those panoramic golf course & mountain sunset views from every angle. The moment your pull up to the home you will realize it is the one, as the front yard curb appeal is exceptional with its low maintenance desert landscape, 3 toned exterior paint job, & covered entry porch. Step through the leaded glass front door & be greeted by an open concept living & kitchen area with tiled floors, & plenty of windows letting in that natural light. The recently painted interior along with the elegant plantation shutters add to the wow factor of this property. The kitchen area offers a breakfast bar island, stainless appliances, pantry, & plenty of counter & cabinet space. The primary suite is tucked in the back of the home so you can enjoy those breathtaking golf course views from your bed. The primary suite has a bay window & a private slider to backyard patio, while the primary bathroom offers a dual sink vanity, tiled shower, garden style soaking tub, & walk in closet. The guest quarters are towards the front of the home, so your guest & you have added privacy, while the guest bathroom features a tub/shower combo. An in-house laundry room, ceiling fans throughout, & a 30' boat deep garage with 9' tall door for all your water & desert toys rounds out the exceptional features. Take the party outside into your backyard oasis which offers both covered & uncovered patio spaces, while still offering plenty of space for the future pool. This home also has a newer York a/c unit, water softener, water heater, & upgraded appliance package all wrapped into this lovely home. The Laughlin Ranch gated golf course community features an 18-hole championship golf course, community clubhouse with full restaurant, bar, & event area. The community clubhouse also features an award-winning spa & salon with fitness center & community pool (additional fees apply as clubhouse is open to the public). Located minutes to the Laughlin casinos, the Colorado River, restaurants, & shopping!

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 $62,522. 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 feet1,706
Property typeSingle Family
MLS #040742
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)
$2,549/mo
Source est. payment (PITI)
$3,039/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$62,522

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

$0$62,522
Additional funds needed$0

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