Properties / 12315 W GINGER Drive
VA ASSUMABLERate: 3.08%

12315 W GINGER Drive

$325,000
Sun City West, AZ 85375
2 beds2 baths1,327 sqftSingle Family
The assumable advantage
3.08%
VA assumed rate
$21,856 interest already paid off
Estimated Loan Balance$128,232
Cash to close$197,893
Est. Monthly PITI$852
Initial Loan Amount$143,077
Time on site50 days
Remaining Term24 years, 10 months
Seller's equity (what you pay)
$196,768
Cash or secondary financing
Monthly savings
$1,301
Versus today's market rate
Est. savings per year
$16K
Versus today's market rate

About this home

ALL NEW SEPT 2026: Quartz counters &backsplash in Kitch and hall bath. NEW SS Appliances!!Beautiful home situated on a spacious cul-de-sac lot of over 12,000 square feet in a prime location! New stainless appliances in kitchen August 2026. New quartz counters going in kitchen early Sept 2026. This well-maintained property features two generously sized bedrooms and two bathrooms. The kitchen offers maple cabinetry and a cozy breakfast bar, perfect for casual dining. Major updates within the past five years include the roof, appliances, and wood-look flooring in the main living areas and hallway. Bedrooms feature brand-new carpeting installed in April 2026. The oversized laundry room provides versatile space--ideal for a craft room, home office, or even accommodating a queen-size bed.Enjoy outdoor living with covered patios in both the front and back, plus a beautifully finished rear patio with newer pavers. Additional highlights include garage storage cabinets and an HVAC system recently serviced this winter. Move-in ready and waiting for you to call it home!

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 $196,768. 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

Bedrooms2
Bathrooms2
Square feet1,327
Property typeSingle Family
MLS #7015674
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)
$616/mo
Source est. payment (PITI)
$852/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$196,768

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

$0$196,768
Additional funds needed$0

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