Properties / 3805 N JUNIPER Drive
FHA ASSUMABLERate: 5.23%

3805 N JUNIPER Drive

$290,000
Eloy, AZ 85131
4 beds2 baths1,603 sqftSingle Family
The assumable advantage
5.23%
FHA assumed rate
$58,510 interest already paid off
Estimated Loan Balance$261,457
Cash to close$30,097
Est. Monthly PITI$1,988
Initial Loan Amount$276,882
Time on site50 days
Remaining Term25 years, 11 months
Seller's equity (what you pay)
$28,543
Cash or secondary financing
Monthly savings
$173
Versus today's market rate
Est. savings per year
$2K
Versus today's market rate

About this home

Buyer will receive a 1% buy done on there rate if if the buyer is financing using an FHA or VA loan!! Thoughtfully designed with both comfort and flexibility in mind, this popular floor plan offers spacious living and modern finishes throughout. The home features 4 bedrooms plus a versatile flex room, perfect for a home office, craft room, playroom, or additional living space to fit your needs. The open-concept kitchen is equipped with gorgeous cabinetry, granite countertops, and stainless steel appliances, including a range, microwave, and dishwasher, making it both stylish and functional. The primary suite offers a relaxing retreat with dual vanity sinks, a private bath, and a walk-in closet, while the additional bedrooms are generously sized and share a full secondary bathroom. Additional highlights include a 2-car garage, open living spaces, and a flexible layout designed for living. With no HOA restrictions and plenty of room to personalize, this home is an excellent opportunity you won't want to miss!

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 $28,543. 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
Bathrooms2
Square feet1,603
Property typeSingle Family
MLS #7028820
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)
$1,537/mo
Source est. payment (PITI)
$1,988/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$28,543

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

$0$28,543
Additional funds needed$0

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