Properties / 17373 N 185TH Drive
FHA ASSUMABLERate: 3.06%

17373 N 185TH Drive

$397,990
Surprise, AZ 85374
3 beds3 baths1,922 sqftSingle Family
The assumable advantage
3.06%
FHA assumed rate
$28,334 interest already paid off
Estimated Loan Balance$166,198
Cash to close$232,162
Est. Monthly PITI$1,171
Initial Loan Amount$186,732
Time on site44 days
Remaining Term24 years, 10 months
Seller's equity (what you pay)
$231,792
Cash or secondary financing
Monthly savings
$1,550
Versus today's market rate
Est. savings per year
$19K
Versus today's market rate

About this home

Seller to prepay remainder of solar lease with FULL PRICE OFFER! Fall in love with this updated 2-story residence with a POOL, newer AC unit (2024), and SOLAR in Bell Pointe! This home features 3 beds, 2.5 baths, low-care landscape, and a 2-car garage w/extended driveway. Discover a seamlessly flowing living & dining room paired with an electric fireplace! Natural light fills the inviting interior, complemented by a designer palette and wood-look floors downstairs. The updated kitchen boasts light grey cabinets, quartz counters, subway tile backsplash, SS appliances, a pantry, recessed lighting, and a serving window w/breakfast bar. All bedrooms have soft carpet floors! The large main bedroom offers a double-door entry, a walk-in closet, & an ensuite w/dual vanities and updated s Upstairs you'll also find a loft that can be used as an office/TV area. Your private backyard retreat is designed for entertainment, providing artificial turf and a paver-covered patio, overlooking the sparkling pool w/baja shelf & travertine decking. Conveniently located near Loop 303 & Grand Avenue, Bell Pointe has easy access to shopping, dining, parks, schools, Surprise Stadium, and a variety of everyday conveniences. This gem is move-in ready!

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 $231,792. 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

Bedrooms3
Bathrooms3
Square feet1,922
Property typeSingle Family
MLS #7059769
CountyMaricopa County
Assumable loanFHA
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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)
$797/mo
Source est. payment (PITI)
$1,171/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$231,792

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

$0$231,792
Additional funds needed$0

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