Properties / 17146 W EL CAMINITO Drive
VA ASSUMABLERate: 3.13%

17146 W EL CAMINITO Drive

$540,000
Waddell, AZ 85355
4 beds3 baths2,324 sqftSingle Family
The assumable advantage
3.13%
VA assumed rate
$61,705 interest already paid off
Estimated Loan Balance$347,348
Cash to close$192,652
Est. Monthly PITI$1,983
Initial Loan Amount$391,497
Time on site13 days
Remaining Term24 years, 9 months
Seller's equity (what you pay)
$192,652
Cash or secondary financing
Monthly savings
$1,503
Versus today's market rate
Est. savings per year
$18K
Versus today's market rate

About this home

SINGLE LEVEL | CHEF'S KITCHEN | OVERSIZED OPEN FLOOR PLAN | 3-CAR TANDEM GARAGE Designed around open-concept living, this Waddell home offers 4 bedrooms, 3 bathrooms and a split floor plan with generously sized bedrooms. The expansive great room flows directly into the chef's kitchen, creating one large gathering space built for entertaining and everyday living. A large kitchen island, walk-in pantry, premium appliances and extra-tall custom cabinetry deliver serious kitchen function and storage. The 3-car tandem garage provides valuable extra space for vehicles, storage and recreational gear. Solar helps offset electric costs and adds long-term energy efficiency. Out back, low-maintenance artificial turf keeps yard care simple while leaving plenty of usable space for outdoor activities Enjoy access to White Tank Mountain Regional Park, Lake Pleasant Regional Park, Pebble Creek Golf Resort, Surprise Stadium and the growing Prasada dining and shopping district. If an oversized open layout, functional storage and flexible entertaining space are priorities, this home deserves an in-person look.

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 $192,652. 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 feet2,324
Property typeSingle Family
MLS #7073041
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)
$1,682/mo
Source est. payment (PITI)
$1,983/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$192,652

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

$0$192,652
Additional funds needed$0

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