Properties / 5210 E SAGUARO Circle
VA ASSUMABLERate: 2.96%

5210 E SAGUARO Circle

$325,000
Phoenix, AZ 85044
2 beds2 baths1,257 sqftSingle Family
The assumable advantage
2.96%
VA assumed rate
$47,044 interest already paid off
Estimated Loan Balance$249,749
Cash to close$75,251
Est. Monthly PITI$1,491
Initial Loan Amount$287,000
Time on site8 days
Remaining Term24 years, 2 months
Seller's equity (what you pay)
$75,251
Cash or secondary financing
Monthly savings
$710
Versus today's market rate
Est. savings per year
$9K
Versus today's market rate

About this home

Tucked away on a quiet cul-de-sac in the heart of Ahwatukee, this charming 2 bedroom, 2 bath home offers comfortable, low maintenance living in a fantastic location. The open floor plan features tile flooring throughout, a welcoming family room with fireplace, and an updated kitchen with granite countertops and stainless steel appliances. Both bathrooms have been updated, while energy efficient windows and an attached 2-car garage add to the home's functionality. Outside, an expansive Saltillo tiled patio creates a wonderful extension of the living space with plenty of room for entertaining, dining, or simply relaxing outdoors. An above-ground hot tub adds another place to unwind and enjoy Arizona evenings. The community pool is an added bonus, all within a convenient Ahwatukee location.

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 $75,251. 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 feet1,257
Property typeSingle Family
MLS #7075238
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)
$1,207/mo
Source est. payment (PITI)
$1,491/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$75,251

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

$0$75,251
Additional funds needed$0

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