Properties / 4845 LOMA Loop
VA ASSUMABLERate: 6.84%

4845 LOMA Loop

$245,000
Sierra Vista, AZ 85635
3 beds2 baths1,428 sqftSingle Family
The assumable advantage
6.84%
VA assumed rate
$19,438 interest already paid off
Estimated Loan Balance$227,360
Cash to close$18,865
Est. Monthly PITI$1,737
Initial Loan Amount$228,738
Time on site50 days
Remaining Term28 years, 10 months
Seller's equity (what you pay)
$17,640
Cash or secondary financing
Monthly savings
$0
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

3 bedroom, 2 bathroom home with a great location and inviting open floorplan. Primary bedroom and bathroom are spit from additional bedrooms.

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 $17,640. 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 feet1,428
Property typeSingle Family
MLS #6998847
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)
$1,507/mo
Source est. payment (PITI)
$1,737/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$17,640

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

$0$17,640
Additional funds needed$0

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