Properties / 619 Temple Drive
FHA ASSUMABLERate: 3.62%

619 Temple Drive

$299,500
Sierra Vista, AZ 85635
3 beds2 baths1,446 sqftSingle Family
The assumable advantage
3.62%
FHA assumed rate
$42,790 interest already paid off
Estimated Loan Balance$169,530
Cash to close$130,720
Est. Monthly PITI$1,299
Initial Loan Amount$194,315
Time on site50 days
Remaining Term23 years, 7 months
Seller's equity (what you pay)
$129,970
Cash or secondary financing
Monthly savings
$874
Versus today's market rate
Est. savings per year
$10K
Versus today's market rate

About this home

BACK ON THE MARKET AT NO FAULT OF THE SELLER! Move in ready 3 bedroom, 2 bath home in desirable Campstone! This well maintained single level home features brand new carpet installed in 2025, tile flooring in all the right places, granite countertops, and a cozy wood burning fireplace. The open floor plan creates a comfortable space for everyday living and entertaining. The backyard offers low maintenance landscaping and a standout detached shed complete with electricity, loft storage, and workbench space, making it the perfect workshop, hobby room, or ultimate man cave. Additional features include central air, a covered patio, block fencing, a two car garage, and no HOA. Conveniently located near shopping, schools, Fort Huachuca, and all that Sierra Vista has to offer.

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 $129,970. 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 feet1,446
Property typeSingle Family
MLS #7042536
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)
$892/mo
Source est. payment (PITI)
$1,299/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$129,970

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

$0$129,970
Additional funds needed$0

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