Properties / 4392 W MOUNTAIN LAURAL Drive
FHA ASSUMABLERate: 6.82%

4392 W MOUNTAIN LAURAL Drive

$540,000
San Tan Valley, AZ 85144
5 beds3 baths2,813 sqftSingle Family
The assumable advantage
6.82%
FHA assumed rate
$75,584 interest already paid off
Estimated Loan Balance$470,301
Cash to close$70,637
Est. Monthly PITI$3,698
Initial Loan Amount$480,768
Time on site50 days
Remaining Term27 years, 9 months
Seller's equity (what you pay)
$69,699
Cash or secondary financing
Monthly savings
$35
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

Welcome to this stunning, nearly new home built in 2023 by Mattamy Homes, located in the sought-after San Tan Heights community. Ideally situated just off Hunt Hwy and Thompson Rd, this home offers a convenient commute to both Queen Creek and San Tan Valley amenities and attractions, making it perfect for today's busy lifestyle. This beautifully designed two-story residence features 5 spacious bedrooms, 3 full bathrooms, and a versatile upstairs loft, providing plenty of room for living, working, and entertaining. Inside, you'll find tasteful upgrades throughout, enhancing the home's modern style and comfort. The 2-car, double-deep garage adds exceptional functionality and includes a 240V outlet for an EV charger, ideal for electric vehicle owners or future-ready living. Step outside to a thoughtfully designed backyard that's both inviting and low maintenance. Enjoy premium turf, a dedicated dog run, and a variety of trees and plants, all supported by a timed drip irrigation system for effortless upkeep. Combining modern design, flexible living space, and a prime location, this move-in-ready home truly has it all. Skip the wait for new construction and make it yours today!

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 $69,699. 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

Bedrooms5
Bathrooms3
Square feet2,813
Property typeSingle Family
MLS #7051181
CountyMaricopa County
Assumable loanFHA
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Investor?
FHA is primary-residence only. But Jeff has VA assumables in the same area.
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)
$3,150/mo
Source est. payment (PITI)
$3,698/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$69,699

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

$0$69,699
Additional funds needed$0

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