Properties / 3041 N 49TH Court
VA ASSUMABLERate: 6.72%

3041 N 49TH Court

$1,799,000
Phoenix, AZ 85018
4 beds3 baths2,633 sqftSingle Family
The assumable advantage
6.72%
VA assumed rate
$123,900 interest already paid off
Estimated Loan Balance$782,256
Cash to close$1,019,134
Est. Monthly PITI$5,683
Initial Loan Amount$800,000
Time on site50 days
Remaining Term27 years, 8 months
Seller's equity (what you pay)
$1,016,744
Cash or secondary financing
Monthly savings
$5,415
Versus today's market rate
Est. savings per year
$65K
Versus today's market rate

About this home

Welcome to one of Arcadia's most thoughtfully reimagined homes. Fully remodeled in 2024 from the roof to the sewer line, every detail has been upgraded so the next owner simply moves in and enjoys. The kitchen is anchored by Thermador appliances, a gas range, and a generous eat-in island. The primary suite features a spa-like bath with separate shower, soaking tub, and double vanity. Step outside to a private pool, covered patio with built-in BBQ, and LUSH TROPICAL landscaping with fruit trees, a true backyard oasis. The home offers four bedrooms. Attached to the garage is an air-conditioned workshop, ideal as a studio, gym, or creative workspace. Two more structures sit detached from the home: a custom-built shed and a separate air-conditioned office that works as a pool house, game room, studio, or gym. The separate office, shed, sauna and large safe in the primary closet all convey with the home! Camelback Mountain views, a corner lot, no HOA, and an unbeatable Arcadia location minutes from The Henry, Kachina Park, and some of the best coffee shops and restaurants the city has to offer. This one checks every box.

How assumption works for this home

Can I assume this VA loan?

Yes, as long as you meet the lender's credit (620+) and DTI requirements. You do NOT need to be a veteran to assume a VA loan — this is a common misconception.

How much cash do I actually need?

You need to cover the seller's equity of $1,016,744. If you don't have that in cash, we can help structure secondary financing to cover the gap.

Can investors assume this one?

Yes — VA assumptions can be used for investment properties. You can rent this home out.

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 feet2,633
Property typeSingle Family
MLS #7043025
CountyMaricopa County
Assumable loanVA
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Investor?
This VA loan can be assumed and rented. Talk to Jeff about the ROI math.
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)
$5,194/mo
Source est. payment (PITI)
$5,683/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$1,016,744

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

$0$1,016,744
Additional funds needed$0

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