Properties / 12122 W VILLA CHULA Court
FHA ASSUMABLERate: 6.5%

12122 W VILLA CHULA Court

$592,900
Sun City, AZ 85373
4 beds4 baths3,643 sqftSingle Family
The assumable advantage
6.5%
FHA assumed rate
$61,404 interest already paid off
Estimated Loan Balance$510,490
Cash to close$82,410
Est. Monthly PITI$3,938
Initial Loan Amount$520,399
Time on site50 days
Remaining Term28 years, 3 months
Seller's equity (what you pay)
$82,410
Cash or secondary financing
Monthly savings
$204
Versus today's market rate
Est. savings per year
$2K
Versus today's market rate

About this home

Welcome to your ultimate Corner Lot oasis! Boasting ideal North/South exposure and stunning mountain views, this impressive 3,600+ sq ft corner-lot home features 4 bedrooms, 3.5 baths, and two true Primary Suites (one up, one down)--the perfect setup for multi-generational living. The open-concept kitchen flows seamlessly into the main living areas for effortless entertaining. Step outside to a brand-new backyard paradise featuring a sparkling pool, an expansive covered patio, and pristine synthetic grass in the front and back yards for low-maintenance curb appeal. Best of all, recently added solar panels keep your energy bills low! Nestled in a quiet cul-de-sac across from a community park.

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 $82,410. 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

Bedrooms4
Bathrooms4
Square feet3,643
Property typeSingle Family
MLS #7046836
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)
$3,293/mo
Source est. payment (PITI)
$3,938/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$82,410

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

$0$82,410
Additional funds needed$0

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