Properties / 30365 N BAREBACK Trail
FHA ASSUMABLERate: 3.77%

30365 N BAREBACK Trail

$345,000
San Tan Valley, AZ 85143
3 beds3 baths1,904 sqftSingle Family
The assumable advantage
3.77%
FHA assumed rate
$54,096 interest already paid off
Estimated Loan Balance$189,548
Cash to close$155,878
Est. Monthly PITI$1,412
Initial Loan Amount$219,942
Time on site37 days
Remaining Term23 years, 1 month
Seller's equity (what you pay)
$155,452
Cash or secondary financing
Monthly savings
$1,009
Versus today's market rate
Est. savings per year
$12K
Versus today's market rate

About this home

Embrace the perfect blend of charm, comfort, and convenience in this beautifully maintained two-story residence! Large living & dining room is designed for everyday living and effortless entertaining, featuring wood-look tile flooring, tons of natural light, window blinds, and neutral palette throughout. The kitchen is equipped with stainless steel appliances, abundant cabinetry, and track lighting. Upstairs, the sizable loft can easily serve as a TV area, playroom, or office. Discover an impeccable primary bedroom, providing a private bathroom with a shower & tub combination and a walk-in closet. Spacious backyard includes a lovely pergola where you can spend peaceful mornings or relaxing afternoons. Don't miss your chance to call this gem your home!

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 $155,452. 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 feet1,904
Property typeSingle Family
MLS #7062415
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)
$1,026/mo
Source est. payment (PITI)
$1,412/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$155,452

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

$0$155,452
Additional funds needed$0

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