Properties / 4982 E LA COSTA Drive
VA ASSUMABLERate: 2.8%

4982 E LA COSTA Drive

$635,000
Chandler, AZ 85249
4 beds3 baths2,393 sqftSingle Family
The assumable advantage
2.8%
VA assumed rate
$30,604 interest already paid off
Estimated Loan Balance$176,901
Cash to close$458,099
Est. Monthly PITI$1,209
Initial Loan Amount$203,010
Time on site24 days
Remaining Term24 years, 4 months
Seller's equity (what you pay)
$458,099
Cash or secondary financing
Monthly savings
$2,909
Versus today's market rate
Est. savings per year
$35K
Versus today's market rate

About this home

Beautifully appointed home on a large lot featuring a 3-car garage, RV gate, sparkling pool, and an inviting open floorplan. Light and bright throughout, the home offers tile flooring in the main living areas with plush carpet in the bedrooms. The spacious kitchen is truly the heart of the home, featuring an oversized island with seating, abundant extended cabinetry, corner walk-in pantry, and plenty of room for a dining table. The generously sized primary suite provides a relaxing retreat with its own seating area & private access to the pool, while the ensuite bath offers dual vanities, a large walk-in closet, separate soaking tub, and walk-in shower. Step outside to your private backyard oasis, complete with a sparkling pool, built-in BBQ, detached spa, and mature fruit trees perfect for entertaining or relaxing year-round. With its spacious lot, excellent garage and RV parking, expansive living spaces, and resort-style backyard, this home offers the perfect combination of comfort, functionality, and Arizona outdoor living.

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 $458,099. 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
Bathrooms3
Square feet2,393
Property typeSingle Family
MLS #7067100
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)
$836/mo
Source est. payment (PITI)
$1,209/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$458,099

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

$0$458,099
Additional funds needed$0

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