Properties / 2439 W KOWALSKY Lane
FHA ASSUMABLERate: 5.81%

2439 W KOWALSKY Lane

$439,000
Phoenix, AZ 85041
3 beds3 baths2,373 sqftSingle Family
The assumable advantage
5.81%
FHA assumed rate
$103,378 interest already paid off
Estimated Loan Balance$422,824
Cash to close$16,176
Est. Monthly PITI$3,346
Initial Loan Amount$447,730
Time on site1 day
Remaining Term26 years
Seller's equity (what you pay)
$16,176
Cash or secondary financing
Monthly savings
$0
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

Move-in ready 2023-built home located in the gated Liberty community in Phoenix, AZ, offering 3 bedrooms, 2.5 bathrooms, a spacious loft, and approximately 2,373 sq ft of modern living space on a premium lot with stunning mountain views. Designed for today's lifestyle, this home features an open-concept floor plan with a chef-inspired kitchen at the center, complete with granite countertops, a large island, ample cabinetry, and seamless flow into the great room--perfect for entertaining and everyday living. Natural light and scenic views enhance the main living areas, creating a bright and inviting atmosphere. Upstairs, the versatile loft provides additional flexible space ideal for a media room, home office, game room, or second living area, along with a convenient upstairs laundry. The private primary suite offers comfort and separation, while the secondary bedrooms are generously sized for family or guests. Step outside to a custom-designed backyard with breathtaking South Mountain views, perfect for enjoying Arizona sunsets and outdoor living. Additional features include owned solar for energy efficiency and a 2-car garage. Located just minutes from South Mountain Park and Preserve, one of the largest municipal parks in the country, offering miles of hiking, biking, and outdoor recreation. Convenient access to Downtown Phoenix, Phoenix Sky Harbor International Airport, shopping, dining, and major freeways. Ideal for buyers searching for a newer home in Phoenix AZ, gated community, home with mountain views, move-in ready home with loft, or energy-efficient home with solar near South Mountain.

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 $16,176. 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 feet2,373
Property typeSingle Family
MLS #7078184
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)
$2,630/mo
Source est. payment (PITI)
$3,346/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$16,176

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

$0$16,176
Additional funds needed$0

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