Rare opportunity to secure a VA assumable loan at 3.87%, offering a significant advantage compared to today's market rates and creating immediate value for qualified buyers. Combined with one of Harvest's most sought-after floorplans, this home stands out from the start. Featuring a private attached casita with separate entrance and dedicated AC, this layout offers a level of flexibility rarely found in this price point. Positioned on a premium lot backing to open common area with mountain views and no direct rear neighbors, the home delivers both privacy and open space. Inside, the open-concept great room is anchored by a gourmet kitchen with quartz countertops, gas cooktop, built-in oven and microwave, under-cabinet lighting, and the highly desirable combination of a butler's...cont.. and walk-in pantry. A wall of glass brings in natural light and connects seamlessly to the finished backyard with turf and low-maintenance landscaping. The main level also includes a dedicated office and guest powder bath, while upstairs features a spacious loft, well-appointed secondary bedrooms, and a functional split layout. Additional highlights include wood-look tile flooring, whole-home induct air purification system, and tankless gas water heater. Located in the amenity-rich Harvest community near Schnepf Farms, Queen Creek Olive Mill, and Downtown Queen Creek, offering convenient access to dining, recreation, and local events. Opportunities combining financing advantage, layout, and location like this are extremely limited.
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.
You need to cover the seller's equity of $78,496. If you don't have that in cash, we can help structure secondary financing to cover the gap.
Yes — VA assumptions can be used for investment properties. You can rent this home out.
Typically 45 days. The lender underwriting is 2–3 weeks, and the rest is standard closing.
Cash covers the gap between the price and the existing loan balance. Changing this amount does not change the existing mortgage payment.
P&I is principal and interest. PITI also includes estimated taxes and insurance. HOA fees and payments on any additional financing are separate.
Asking price minus remaining loan balance. Closing costs are additional.
The equity gap is covered. Closing costs and assumption fees still need to be confirmed.