Properties / 6119 E HARVARD Street E
VA ASSUMABLERate: 2.72%

6119 E HARVARD Street E

$685,000
Scottsdale, AZ 85257
3 beds2 baths1,934 sqftSingle Family
The assumable advantage
2.72%
VA assumed rate
$62,074 interest already paid off
Estimated Loan Balance$374,968
Cash to close$310,931
Est. Monthly PITI$2,146
Initial Loan Amount$430,000
Time on site13 days
Remaining Term24 years, 4 months
Seller's equity (what you pay)
$310,032
Cash or secondary financing
Monthly savings
$2,283
Versus today's market rate
Est. savings per year
$27K
Versus today's market rate

About this home

Welcome to this beautiful 3-bedroom, 2-bath Scottsdale home featuring stunning mountain views and a private rear patio overlooking Papago Mountain. Superb natural light fills the entryway through a large skylight, creating a warm and inviting welcome. The thoughtfully designed split floor plan offers both comfort and privacy, while the family room, complete with a fireplace, is perfect for relaxing evenings or entertaining guests. The 2-car garage features epoxy flooring and fitted cabinets for added storage and organization. Ideally located near shopping, dining, and entertainment, this home offers the perfect combination of convenience, comfort, and Arizona living.

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 $310,032. 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

Bedrooms3
Bathrooms2
Square feet1,934
Property typeSingle Family
MLS #7072939
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)
$1,757/mo
Source est. payment (PITI)
$2,146/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$310,032

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

$0$310,032
Additional funds needed$0

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