Properties / 501 N DELAWARE Street
FHA ASSUMABLERate: 6.5%

501 N DELAWARE Street

$499,999
Chandler, AZ 85225
3 beds3 baths1,396 sqftSingle Family
The assumable advantage
6.5%
FHA assumed rate
$19,554 interest already paid off
Estimated Loan Balance$399,984
Cash to close$100,393
Est. Monthly PITI$2,991
Initial Loan Amount$402,573
Time on site50 days
Remaining Term29 years, 3 months
Seller's equity (what you pay)
$100,015
Cash or secondary financing
Monthly savings
$400
Versus today's market rate
Est. savings per year
$5K
Versus today's market rate

About this home

Updated 2 bedroom 2 bath main home with a separate 1 bedroom 1 bath unit in the back. Main house has updated flooring, cabinets, bathrooms, widows and roof. Back Unit has updated showers, tile flooring and its own laundry. Perfect for Airbnb or rentals. Or live in the Main house and rent out the back unit. Main house currently being rented for $1700 but tenant is leaving and back unit for $1000. Each Unit has its own electrical and gas, Water & Trash is on 1 bill and is about $70 a month. Rent can easily be increased to $1900 and $1400. Beautiful home walking distance to Downtown chandler.

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 $100,015. 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 feet1,396
Property typeSingle Family
MLS #7033547
CountyMaricopa County
Assumable loanFHA
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Free · No commitment · Typical reply in 15 min
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)
$2,549/mo
Source est. payment (PITI)
$2,991/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$100,015

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

$0$100,015
Additional funds needed$0

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