Properties / 45586 W GUILDER Avenue
FHA ASSUMABLERate: 6.72%

45586 W GUILDER Avenue

$305,000
Maricopa, AZ 85139
3 beds3 baths2,637 sqftSingle Family
The assumable advantage
6.72%
FHA assumed rate
$1,015 interest already paid off
Estimated Loan Balance$9,956
Cash to close$295,059
Est. Monthly PITI$426
Initial Loan Amount$10,195
Time on site16 days
Remaining Term22 years, 6 months
Seller's equity (what you pay)
$295,044
Cash or secondary financing
Monthly savings
$1,727
Versus today's market rate
Est. savings per year
$21K
Versus today's market rate

About this home

Listed BELOW market price for a quick sale! This house has it all. Over 2600 square feet of livable space with so much potential. Large open kitchen with two living areas downstairs and a huge loft upstairs. Oversized bedrooms with walk in closets and plenty of storage throughout. Conveniently located near elementary school, middle school and high school in a beautiful community with parks, walking paths and Frisbee golf.

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 $295,044. 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 feet2,637
Property typeSingle Family
MLS #7070341
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)
$72/mo
Source est. payment (PITI)
$426/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$295,044

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

$0$295,044
Additional funds needed$0

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