Properties / 9500 S EL THUMA REAL
VA ASSUMABLERate: 3.35%

9500 S EL THUMA REAL

$330,000
Hereford, AZ 85615
4 beds2 baths1,741 sqftSingle Family
The assumable advantage
3.35%
VA assumed rate
$83,784 interest already paid off
Estimated Loan Balance$145,395
Cash to close$185,701
Est. Monthly PITI$1,277
Initial Loan Amount$216,300
Time on site39 days
Remaining Term16 years, 4 months
Seller's equity (what you pay)
$184,605
Cash or secondary financing
Monthly savings
$982
Versus today's market rate
Est. savings per year
$12K
Versus today's market rate

About this home

Discover this well-maintained 2005 single-family home in Hereford! Offering 4 spacious bedrooms, 2 full bathrooms, and 1,741 sq ft of comfortable living space, this property combines modern convenience with peaceful rural living. Key Features: Stunning Views: Enjoy breathtaking mountain and desert vistas from all angles. Spacious Layout: Generous bedrooms and dual-sink vanities in both bathrooms. Finished Garage: Clean garage space ready for parking, storage, or projects. Prime Location: Situated in Cochise County with easy access to Sierra Vista and prime dark-sky stargazing. Includes Appliances: Major appliances included with the 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 $184,605. 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 feet1,741
Property typeSingle Family
MLS #7061719
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)
$964/mo
Source est. payment (PITI)
$1,277/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$184,605

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

$0$184,605
Additional funds needed$0

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