Properties / 3419 OAK Street
VA ASSUMABLERate: 3.02%

3419 OAK Street

$319,000
Heber, AZ 85928
4 beds2 baths2,017 sqftSingle Family
The assumable advantage
3.02%
VA assumed rate
$31,613 interest already paid off
Estimated Loan Balance$166,960
Cash to close$157,278
Est. Monthly PITI$1,013
Initial Loan Amount$186,480
Time on site50 days
Remaining Term24 years
Seller's equity (what you pay)
$152,040
Cash or secondary financing
Monthly savings
$1,065
Versus today's market rate
Est. savings per year
$13K
Versus today's market rate

About this home

This fabulous four-bedroom, two-bathroom home boasts a great room concept and an open floor plan. The recently remodeled large kitchen features new cabinets, granite counters, and stainless steel appliances. The kitchen and great room have new LV wood plank flooring, truly the perfect home for entertaining! The unique split floor plan separates the owner's suite from the secondary bedrooms. Each bedroom has ample closet space and plenty of storage throughout the house, ensuring an opportunity for amazing organization. The property offers ample outdoor living space with front and back porches. It's situated on a corner lot with a fenced-in backyard, providing safety for small children and pets. Conveniently, there's a two-car carport that can be easily converted into a garage plus... 20 X 14 shed and a chicken coop! The lot extends 20 feet behind the back fence,The location is fantastic, close to excellent schools. You will want to see this home.

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 $152,040. 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

Bedrooms4
Bathrooms2
Square feet2,017
Property typeSingle Family
MLS #6870484
CountyMaricopa County
Assumable loanVA
Tour this home
In person or virtual.
Prefer virtual tour?
Free · No commitment · Typical reply in 15 min
Investor?
This VA loan can be assumed and rented. Talk to Jeff about the ROI math.
Jeff Salazar
Active now · (602) 332-3860
Call

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)
$816/mo
Source est. payment (PITI)
$1,013/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$152,040

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

$0$152,040
Additional funds needed$0

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