Properties / 3658 N 304TH Avenue
FHA ASSUMABLERate: 6.58%

3658 N 304TH Avenue

$419,999
Buckeye, AZ 85396
4 beds3 baths2,174 sqftSingle Family
The assumable advantage
6.58%
FHA assumed rate
$28,243 interest already paid off
Estimated Loan Balance$395,480
Cash to close$25,636
Est. Monthly PITI$3,027
Initial Loan Amount$398,372
Time on site50 days
Remaining Term29 years
Seller's equity (what you pay)
$24,519
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

Welcome to this stunning 4-bedroom, 3-bathroom home located in the highly sought-after community of Tartesso in Buckeye. From the moment you step inside, you'll be greeted by a spacious great room that flows seamlessly into the open-concept kitchen -- perfect for both everyday living and entertaining. The kitchen is a chef's dream, featuring updated double ovens, elegant backsplash detailing, W/pullout draws for easy access, granite countertops, a large center island ideal for meal prep and casual dining, and an oversized walk-in pantry offering abundant storage space. A versatile den/office with custom built-ins provides the perfect space for working from home, studying, or relaxing. The expansive primary suite offers a true retreat, complete with dual sinks, a large walk-in shower, and stylish modern finishes throughout. Motorized Patio Screens on Patio, Cabinets in the garage, Large master shower, Gutter and down spouts, Lights under kitchen cabinets. Thoughtfully designed with flexibility in mind, this home also offers an ideal setup for multigenerational living, mother-in-law quarters, or a private teen retreat. Step outside to an exceptionally large, beautifully landscaped backyard featuring an oversized covered patio -- the perfect setting for outdoor entertaining, family gatherings, or simply unwinding in comfort. Don't miss this incredible opportunity to own a home that combines space, functionality, and style in one of Buckeye's most desirable communities. Additional Updates made: Security Front Door added 2025 Digital door locks and lights switch for coach lights 2025 New Coach light 2025 Exterior/interior painted 2025 Flooring updated 2025 (Great room) Water softener and RO system 2024 *Surround sound system, LG washer and dryer, and refrigerator to convey with the sale.*

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 $24,519. 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

Bedrooms4
Bathrooms3
Square feet2,174
Property typeSingle Family
MLS #7034246
CountyMaricopa County
Assumable loanFHA
Tour this home
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Prefer virtual tour?
Free · No commitment · Typical reply in 15 min
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)
$2,549/mo
Source est. payment (PITI)
$3,027/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$24,519

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

$0$24,519
Additional funds needed$0

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