Properties / 2086 Alan Ladd Drive
VA ASSUMABLERate: 6.26%

2086 Alan Ladd Drive

$379,500
Kingman, AZ 86409
4 beds2 baths2,099 sqftSingle Family
The assumable advantage
6.26%
VA assumed rate
$18,859 interest already paid off
Estimated Loan Balance$87,140
Cash to close$293,176
Est. Monthly PITI$814
Initial Loan Amount$90,000
Time on site36 days
Remaining Term26 years, 8 months
Seller's equity (what you pay)
$292,360
Cash or secondary financing
Monthly savings
$1,677
Versus today's market rate
Est. savings per year
$20K
Versus today's market rate

About this home

Over 2,000 square feet in Walleck Ranch. No HOA. No build wait. No punch list. This is 2,099 square feet of finished, four-bedroom, two-bath living on a true split floor plan the primary suite sits on its own side of the house, three bedrooms and the second bath on the other. Built in 2008 and maintained like it. The kitchen was built to be used: granite counters, an island with breakfast-bar seating, deep cabinetry, and every appliance staying with the home refrigerator, range, microwave, dishwasher. It opens straight into the living and dining space around a stone-faced fireplace, so the cook is never in another room. The primary suite carries a double-vanity ensuite bath and a walk-in closet with built-in shelving. The other three bedrooms flex to whatever you need guests, an office, a studio, a workout room. Step outside and the work is already done. RV access runs down the side for the fifth wheel, the boat, or the trailer. A 16' x 20' Tough Shed gives you real storage or a full workshop. There's a covered patio for the evenings, established landscaping front and back, and an 0.16-acre lot that hands your Saturdays back. Central air, garage, window coverings, appliances, landscaping all in, all included. Walleck Ranch means wide streets, mountain views, and a straight shot to shopping, schools, medical, parks, and Interstate 40.

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 $292,360. 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
Bathrooms2
Square feet2,099
Property typeSingle Family
MLS #034928
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)
$561/mo
Source est. payment (PITI)
$814/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$292,360

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

$0$292,360
Additional funds needed$0

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