Properties / 12645 W COLTER Street
VA ASSUMABLERate: 6.54%

12645 W COLTER Street

$410,000
Litchfield Park, AZ 85340
4 beds3 baths2,025 sqftSingle Family
The assumable advantage
6.54%
VA assumed rate
$90,026 interest already paid off
Estimated Loan Balance$405,888
Cash to close$5,033
Est. Monthly PITI$2,917
Initial Loan Amount$420,858
Time on site50 days
Remaining Term26 years, 9 months
Seller's equity (what you pay)
$4,112
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

Beautifully remodeled home in desirable Litchfield Park! From the moment you enter, you'll be impressed by the soaring ceilings, abundant natural light, and spacious open-concept floor plan. The main level features brand-new flooring, creating a fresh and modern feel throughout. The updated kitchen is a showstopper with stunning waterfall quartz countertops, new stainless steel appliances, and stylish fixtures. Upstairs, you'll find four generously sized bedrooms, including a luxurious primary suite. The remodeled primary bathroom boasts a new dual-sink vanity, updated fixtures, a beautifully redesigned shower, and new flooring. Step outside to a low-maintenance backyard complete with premium turf and a covered patio. **ASSUMABLE VA LOAN 5.25% Payment = $ 2,560 **

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 $4,112. 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
Bathrooms3
Square feet2,025
Property typeSingle Family
MLS #7049067
CountyMaricopa County
Assumable loanVA
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Investor?
This VA loan can be assumed and rented. Talk to Jeff about the ROI math.
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)
$2,680/mo
Source est. payment (PITI)
$2,917/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$4,112

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

$0$4,112
Additional funds needed$0

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