Properties / 772 S 178th Lane
VA ASSUMABLERate: 4.13%

772 S 178th Lane

$350,000
Goodyear, AZ 85338
4 beds2 baths1,798 sqftSingle Family
The assumable advantage
4.13%
VA assumed rate
$74,007 interest already paid off
Estimated Loan Balance$164,658
Cash to close$185,766
Est. Monthly PITI$1,277
Initial Loan Amount$204,300
Time on site30 days
Remaining Term20 years, 5 months
Seller's equity (what you pay)
$185,342
Cash or secondary financing
Monthly savings
$1,068
Versus today's market rate
Est. savings per year
$13K
Versus today's market rate

About this home

This well-maintained 4-bedroom, 2-bath home on a corner lot in Canyon Trails delivers a smart split floor plan and quality upgrades throughout. The updated kitchen is built for the home chef, featuring double ovens, a gas range, SS refrigerator, and a nicely designed backsplash. Energy-efficient touches include a tankless gas water heater and dual-pane windows keep utility costs in check. The 9-foot flat ceilings add an airy, open feel, and the home lives on a single level with no interior steps. Out back, a covered patio captures breathtaking sunsets alongside a backyard ready for your personal touch. It's a perfect setup for relaxing evenings. The 2-car garage features an exterior service door. Community amenities include a pool, spa, walking paths, and a children's playground.

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 $185,342. 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 feet1,798
Property typeSingle Family
MLS #7065688
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)
$996/mo
Source est. payment (PITI)
$1,277/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$185,342

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

$0$185,342
Additional funds needed$0

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