Properties / 14582 W WILSHIRE Drive
FHA ASSUMABLERate: 6.71%

14582 W WILSHIRE Drive

$669,850
Goodyear, AZ 85395
4 beds3 baths3,197 sqftSingle Family
The assumable advantage
6.71%
FHA assumed rate
$109,740 interest already paid off
Estimated Loan Balance$524,184
Cash to close$149,033
Est. Monthly PITI$4,201
Initial Loan Amount$539,427
Time on site50 days
Remaining Term26 years, 11 months
Seller's equity (what you pay)
$145,666
Cash or secondary financing
Monthly savings
$439
Versus today's market rate
Est. savings per year
$5K
Versus today's market rate

About this home

This beautifully maintained, move-in ready home sits on a desirable north/south cul-de-sac lot and offers exceptional space and versatility with 4 bedrooms plus an office, 3 baths, and 3197 SqFt of thoughtfully designed living. The main level features an inviting living area with custom built-ins, a well-appointed kitchen with stainless steel appliances including double wall ovens, corian countertops, tile backsplash, pantry, and a breakfast bar, along with a spacious primary suite offering dual vanities, a soaking tub, tiled snail shower, and walk-in closet. Two additional bedrooms and a full bath complete the main floor, while a stunning staircase leads to an expansive upstairs family/bonus room, another full bath, and a private bedroom with walk-in closet. The backyard is an entertainer's dream with a covered patio and roll-down shades, built-in BBQ, fenced pool, artificial turf, and paver patio. Additional highlights include a 3-car garage, main-floor laundry, and leased solar panels for energy efficiency, all within a community offering a pool, pickleball courts, and more.

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 $145,666. 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
Bathrooms3
Square feet3,197
Property typeSingle Family
MLS #7004604
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)
$3,511/mo
Source est. payment (PITI)
$4,201/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$145,666

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

$0$145,666
Additional funds needed$0

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