Properties / 28539 N MOONSTONE Way
FHA ASSUMABLERate: 5.25%

28539 N MOONSTONE Way

$344,000
San Tan Valley, AZ 85143
5 beds3 baths2,184 sqftSingle Family
The assumable advantage
5.25%
FHA assumed rate
$9,023 interest already paid off
Estimated Loan Balance$257,354
Cash to close$86,949
Est. Monthly PITI$1,809
Initial Loan Amount$258,852
Time on site36 days
Remaining Term29 years, 5 months
Seller's equity (what you pay)
$86,646
Cash or secondary financing
Monthly savings
$596
Versus today's market rate
Est. savings per year
$7K
Versus today's market rate

About this home

INCREDIBLE BUYER INCENTIVES: $5,000 MORTGAGE CONCESSION. Seller will pay up to $5,000 at closing towards your interest rate buydown if you finance with lender of sellers choice. 28539 N Moonstone Way is a two-story San Tan Valley home built in 2014 with an open, connected layout across two levels. The kitchen features dark cabinetry, a center island, stainless steel appliances, and generous counter space, opening toward the tile-floored living and dining area filled with natural light. Four bedrooms provide comfortable carpeted rooms, including one with a walk-in closet for added storage, served by three full bathrooms that include a double-vanity layout and a tub-and-shower combination. Out back, a low-maintenance desert-landscaped yard extends the usable space for outdoor relaxing.

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 $86,646. 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

Bedrooms5
Bathrooms3
Square feet2,184
Property typeSingle Family
MLS #7062803
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)
$1,433/mo
Source est. payment (PITI)
$1,809/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$86,646

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

$0$86,646
Additional funds needed$0

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