Properties / 10806 W TONTO Street
VA ASSUMABLERate: 4.88%

10806 W TONTO Street

$430,000
Avondale, AZ 85323
4 beds2 baths1,861 sqftSingle Family
The assumable advantage
4.88%
VA assumed rate
$75,341 interest already paid off
Estimated Loan Balance$418,489
Cash to close$10,867
Est. Monthly PITI$2,703
Initial Loan Amount$443,402
Time on site0 days
Remaining Term26 years, 6 months
Seller's equity (what you pay)
$11,511
Cash or secondary financing
Monthly savings
$188
Versus today's market rate
Est. savings per year
$2K
Versus today's market rate

About this home

Welcome home to the desirable community of Vista Del Verde. This stunning 2023-built home in Avondale offers 4 bedrooms + a private den, 2 bathrooms, and a highly sought-after VA assumable loan at 4.875% for qualified service members. From the moment you arrive, you'll appreciate the attractive desert landscaping, paver driveway, and private front entry. Inside, the bright open floor plan welcomes you with stylish wood-look tile flooring, abundant natural light, and a versatile den ideal for a home office, gym or playroom. The gourmet kitchen is the centerpiece of the home featuring a large quartz island with ample seating, white shaker cabinets, stainless steel appliances, spacious walk-in pantry and an open-concept design perfect for entertaining or intimate gathering. The kitchen flows seamlessly into the dining and living areas, creating another inviting space for gatherings and everyday living. Large windows and sliding glass doors bring the outdoors in while providing direct access to the large, covered patio with ceiling fan. Step outside to enjoy the beautifully finished backyard featuring upgraded pavers, low-maintenance artificial turf, decorative rock landscaping and plenty of room to add a custom swimming pool. The thoughtfully designed split floor plan offers privacy and functionality. The spacious primary suite features a large private retreat away from secondary bedrooms offering an adjoining walk-in closet. The primary bath offers dual-sink vanity, quartz counter tops, a spacious walk-in shower and another oversized walk-in closet. Conveniently located near Luke Air Force Base, I-10, Loop 101, Westgate Entertainment District, State Farm Stadium, shopping, dining, and top employment centers, this move-in ready home combines modern design, energy efficiency, and exceptional value.

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 $11,511. 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 feet1,861
Property typeSingle Family
MLS #7080239
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)
$2,348/mo
Source est. payment (PITI)
$2,703/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$11,511

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

$0$11,511
Additional funds needed$0

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