Properties / 44465 W Palo Teca Road
FHA ASSUMABLERate: 5.23%

44465 W Palo Teca Road

$410,000
Maricopa, AZ 85138
4 beds3 baths2,366 sqftSingle Family
The assumable advantage
5.23%
FHA assumed rate
$89,423 interest already paid off
Estimated Loan Balance$397,817
Cash to close$12,780
Est. Monthly PITI$3,055
Initial Loan Amount$423,169
Time on site34 days
Remaining Term25 years, 11 months
Seller's equity (what you pay)
$12,183
Cash or secondary financing
Monthly savings
$79
Versus today's market rate
Est. savings per year
$1K
Versus today's market rate

About this home

Welcome home to this beautifully maintained single-level residence offering 4 spacious bedrooms, 3 full bathrooms, and a thoughtfully designed open floor plan perfect for everyday living and entertaining. The bright and inviting great room flows seamlessly into the gourmet kitchen, featuring ample cabinetry, generous counter space, and a large island ideal for gathering with family and friends. The primary suite provides a relaxing retreat with a spacious ensuite bathroom and walk-in closet, while the additional bedrooms offer flexibility for guests, a home office or multigenerational living. Step outside to enjoy the beautifully landscaped backyard, creating the perfect setting for outdoor dining or entertaining. Don't miss the opportunity to make this stunning home your own!

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 $12,183. 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 feet2,366
Property typeSingle Family
MLS #7064286
CountyMaricopa County
Assumable loanFHA
Tour this home
In person or virtual.
Prefer virtual tour?
Free · No commitment · Typical reply in 15 min
Investor?
FHA is primary-residence only. But Jeff has VA assumables in the same area.
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)
$2,339/mo
Source est. payment (PITI)
$3,055/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$12,183

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

$0$12,183
Additional funds needed$0

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