Properties / 18804 W Jefferson Street
FHA ASSUMABLERate: 6.66%

18804 W Jefferson Street

$390,000
Buckeye, AZ 85326
4 beds2 baths1,850 sqftSingle Family
The assumable advantage
6.66%
FHA assumed rate
$103,026 interest already paid off
Estimated Loan Balance$394,887
Cash to close$0
Est. Monthly PITI$3,261
Initial Loan Amount$412,382
Time on site29 days
Remaining Term26 years, 3 months
Seller's equity (what you pay)
$0
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

Beautiful 4 bed, 2 bath home built in 2022 with a resort-style backyard designed for entertaining! Enjoy evening ambiance with overhead string lighting, artificial turf with custom paver design, a large circular paver pad ideal for a fire pit, above-ground pool or hot tub, and a spacious gazebo. The covered patio includes a mister system, and gutters have been installed around the entire home. Inside features an open floor plan, granite countertops, stainless steel appliances, tile flooring in the main living areas, carpeted bedrooms, video doorbell, smart thermostat and smart lock. Move-in ready, low-maintenance and thoughtfully upgraded inside and out. SHORT SALE - LENDER APPROVAL REQUIRED. Sale and all terms are subject to lender approval. Short-sale approval has not yet been obtained. Additional Information: The home offers approximately 1,850 square feet of living space, an attached 2-car garage and an approximately 5,278-square-foot homesite in Buckeye's Vista de Montana community. The neighborhood provides a newer residential setting with parks, playground areas and walking paths while remaining convenient to the shopping, dining, recreation and services that continue to expand throughout Buckeye and the West Valley. Outdoor recreation is one of Buckeye's biggest lifestyle advantages. Skyline Regional Park encompasses approximately 8,700 acres of protected Sonoran Desert in the southern White Tank Mountains and offers miles of trails for hiking, mountain biking and equestrian use, along with scenic desert and mountain views. Buckeye also maintains numerous community parks, sports facilities and recreational programs throughout the city. For family recreation, Buckeye Town Park includes the city's Aquatic Center and skate park, while additional parks and athletic facilities provide opportunities for sports, swimming and community activities. The Buckeye Equestrian and Events Center adds another uniquely Arizona recreation and event destination, and the surrounding West Valley offers additional golf, wildlife attractions, seasonal events and entertainment within an easy drive. Everyday conveniences are easily accessible along the Watson Road and I-10 corridor. Sundance Towne Center offers a large concentration of shopping, restaurants and services, including Walmart Supercenter, Lowe's, PetSmart, Boot Barn, Bealls and a variety of casual dining options. Nearby dining includes everything from familiar favorites and quick-service options to local Buckeye restaurants serving pizza, Mexican food, breakfast, burgers and more. Downtown Buckeye features locally owned restaurants and cafés including Argento's Pizza, Barbon Asadero, The Heritage at Old Town and longtime local breakfast favorite The Sheep Camp. Heading toward Verrado provides even more choices, with Main Street at Verrado offering a walkable mix of restaurants, shops, coffee, health and wellness businesses. The Verrado area continues to add additional retail and dining options, giving residents convenient choices for both everyday errands and nights out. The property's access to I-10 makes commuting and exploring the rest of the West Valley convenient, with Goodyear, Avondale and other Phoenix-area destinations accessible to the east. Residents can enjoy the quieter feel and open desert surroundings of Buckeye while still having restaurants, shopping, entertainment, recreation and everyday necessities within reach. Vista de Montana's location offers a balance that appeals to buyers who want newer construction and a neighborhood environment without feeling disconnected from amenities. From hiking and outdoor recreation to shopping, coffee, dinner out and entertainment throughout Buckeye and the West Valley, the area provides plenty of options for both everyday living and weekends close to home.

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 $0. 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
Bathrooms2
Square feet1,850
Property typeSingle Family
MLS #7065892
CountyMaricopa County
Assumable loanFHA
Tour this home
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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)
$2,656/mo
Source est. payment (PITI)
$3,261/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

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

Confirm the current loan balance and equity requirement with an agent before estimating cash needed.