Properties / 18221 E ZUZA Drive
FHA ASSUMABLERate: 6.5%

18221 E ZUZA Drive

$359,000
Gold Canyon, AZ 85118
3 beds2 baths1,330 sqftSingle Family
The assumable advantage
6.5%
FHA assumed rate
$10,825 interest already paid off
Estimated Loan Balance$332,921
Cash to close$26,386
Est. Monthly PITI$2,432
Initial Loan Amount$333,831
Time on site50 days
Remaining Term29 years, 7 months
Seller's equity (what you pay)
$26,079
Cash or secondary financing
Monthly savings
$3
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

Skip the wait for new construction and move right into this barely lived-in, move-in ready home in beautiful Entrada del Oro. Enjoy the benefits of a newer home without the builder delays, costly upgrades, landscaping expenses, or long post-closing to-do list. Still under builder warranty, this home already features low maintenance front and backyard landscaping, window treatments, fresh modern paint, and an upgraded kitchen island. Inside, you'll find a bright, open concept floor plan with contemporary finishes and an easy, low maintenance layout that's ideal for first time buyers, downsizers, seasonal residents, or anyone looking for a lock-and-leave Arizona home. The spacious backyard offers flexibility to keep things simple or create your own resort style outdoor living space, with plenty of room for a future pool, entertaining area, or outdoor kitchen. Mountain views and colorful Arizona sunsets provide the perfect desert backdrop. Located in Entrada del Oro, you're surrounded by beautiful Sonoran Desert scenery with hiking, off-road trails, and outdoor recreation just minutes away, while still offering convenient access to the East Valley. NEWER HOME. MOVE-IN READY. LOW MAINTENANCE LIVING. MOUNTAIN VIEWS. ROOM FOR A POOL. No construction wait, no landscaping bills, and no builder punch-list headaches--just unpack and enjoy.

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 $26,079. 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
Bathrooms2
Square feet1,330
Property typeSingle Family
MLS #7054621
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)
$2,114/mo
Source est. payment (PITI)
$2,432/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$26,079

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

$0$26,079
Additional funds needed$0

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