Properties / 22764 N 184TH Lane
FHA ASSUMABLERate: 6.84%

22764 N 184TH Lane

$435,000
Surprise, AZ 85387
4 beds3 baths2,316 sqftSingle Family
The assumable advantage
6.84%
FHA assumed rate
$61,621 interest already paid off
Estimated Loan Balance$489,423
Cash to close$0
Est. Monthly PITI$3,776
Initial Loan Amount$495,974
Time on site50 days
Remaining Term28 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

RECENTLY APPRAISED AT 471k!! List price reflects tentative approval from lender. Nearly new home backing to open desert with no homes directly behind. This property features a spacious open floor plan, 4 bedrooms, 3 full bathrooms, a study, and a 3-car garage. The kitchen offers a large island and generous workspace. Tile flooring through the main living areas with carpet in the bedrooms. The backyard includes a full covered patio with scenic mountain views. Upstairs loft or bonus room! Extended back covered patio! This is a short sale and subject to lender approval.

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
Bathrooms3
Square feet2,316
Property typeSingle Family
MLS #7000146
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)
$3,265/mo
Source est. payment (PITI)
$3,776/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.