Properties / 39219 N ZAMPINO Street
FHA ASSUMABLERate: 6.64%

39219 N ZAMPINO Street

$434,900
San Tan Valley, AZ 85140
6 beds3 baths2,857 sqftSingle Family
The assumable advantage
6.64%
FHA assumed rate
$66,894 interest already paid off
Estimated Loan Balance$398,447
Cash to close$37,285
Est. Monthly PITI$3,096
Initial Loan Amount$408,465
Time on site50 days
Remaining Term27 years, 7 months
Seller's equity (what you pay)
$36,453
Cash or secondary financing
Monthly savings
$0
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

Welcome home to this spacious 6-bedroom, 3-bath home offering comfort, flexibility, and the perfect layout for multi-generational living. The open-concept floorplan features a bright living area, tile flooring, neutral finishes, and a beautifully appointed kitchen with wood cabinetry, subway tile backsplash, pantry, island, and breakfast bar. The desirable main-level suite provides privacy, while an additional downstairs bedroom and full bath are perfect for guests or multigenerational living. Formal living room in front of home give additional flex space. Upstairs offers a versatile loft for a game room or office along with 4 bedrooms. Enjoy no rear neighbors, a covered patio, and a backyard ready for your dream outdoor retreat. Leased solar helps keep energy minimal. Must see!

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 $36,453. 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

Bedrooms6
Bathrooms3
Square feet2,857
Property typeSingle Family
MLS #7050972
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)
$2,628/mo
Source est. payment (PITI)
$3,096/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$36,453

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

$0$36,453
Additional funds needed$0

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