Properties / 3829 Katie Lane Loop
FHA ASSUMABLERate: 6.15%

3829 Katie Lane Loop

$424,900
Kingman, AZ 86401
4 beds3 baths2,245 sqftSingle Family
The assumable advantage
6.15%
FHA assumed rate
$12,338 interest already paid off
Estimated Loan Balance$343,247
Cash to close$81,653
Est. Monthly PITI$2,521
Initial Loan Amount$344,932
Time on site10 days
Remaining Term29 years, 6 months
Seller's equity (what you pay)
$81,653
Cash or secondary financing
Monthly savings
$402
Versus today's market rate
Est. savings per year
$5K
Versus today's market rate

About this home

Luxury living in Castle Rock Village, the only true gated community in Kingman, at just $189 per square foot. This 4 bedroom 3 bathroom home is clean, well cared for, and move in ready. A welcoming front entryway courtyard leads into an open floor plan with a great room and fireplace that opens to the kitchen and dining area. Kitchen has granite counters and a breakfast bar. The master suite offers an oversized walk in closet with natural lighting, walk in shower, soaking tub, and dual sinks. Split floor plan for privacy, oversized laundry room, and a 3 car garage. Covered rear patio with landscaped front and back yards, plus a brand new hot tub that stays with the home. Community amenities include the pool, spa, and clubhouse with fitness room, banquet space, pool table, kitchen, and barbecue area, great for entertaining.

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 $81,653. 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

Bedrooms4
Bathrooms3
Square feet2,245
Property typeSingle Family
MLS #041818
CountyMaricopa County
Assumable loanFHA
Tour this home
In person or virtual.
Prefer virtual tour?
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
Call

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)
$2,104/mo
Source est. payment (PITI)
$2,521/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$81,653

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

$0$81,653
Additional funds needed$0

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