Properties / 12965 W VIA CAMILLE
VA ASSUMABLERate: 6.5%

12965 W VIA CAMILLE

$449,900
El Mirage, AZ 85335
5 beds3 baths1,949 sqftSingle Family
The assumable advantage
6.5%
VA assumed rate
$23,735 interest already paid off
Estimated Loan Balance$436,757
Cash to close$13,558
Est. Monthly PITI$3,048
Initial Loan Amount$440,000
Time on site48 days
Remaining Term29 years, 2 months
Seller's equity (what you pay)
$13,143
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

This well-maintained two-story residence is the one. Solar paid in full, Kitchen renovated 2026 & new roof. The living room flows effortlessly into the dining area & kitchen. Updated lighting, a pantry, SS appliances, tile backsplash, white cabinets, & updated counters make this lovely kitchen a cook's delight. Located on the main level, a powder room adds extra convenience. Continue onto the large primary bedroom, offering plush carpet, tons of natural light, a private bathroom w/a make-up desk, & a walk-in closet. Be amazed by the oversized backyard highlighted by a covered patio, pergola, storage shed, basketball court, & a Pebble tec swimming pool w/ New Valves. PLUS! Enjoy the added value of a new roof & paid-off solar panels, for enhanced energy efficiency and long-term savings.

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 $13,143. 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

Bedrooms5
Bathrooms3
Square feet1,949
Property typeSingle Family
MLS #7058424
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)
$2,786/mo
Source est. payment (PITI)
$3,048/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$13,143

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

$0$13,143
Additional funds needed$0

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