Properties / 20078 W BADGETT Lane
VA ASSUMABLERate: 6.6%

20078 W BADGETT Lane

$550,000
Litchfield Park, AZ 85340
5 beds5 baths3,112 sqftSingle Family
The assumable advantage
6.6%
VA assumed rate
$61,839 interest already paid off
Estimated Loan Balance$533,925
Cash to close$19,204
Est. Monthly PITI$3,633
Initial Loan Amount$540,363
Time on site50 days
Remaining Term28 years, 4 months
Seller's equity (what you pay)
$16,075
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

Beautiful, new home near the community park is just what you are looking for! Landscaped front & 2-car garage offers great curb appeal from the moment you arrive! Step inside to a welcoming living room, powder room, open kitchen/family room and a guest room with en-suite tucked away on the first floor. The eat-in kitchen showcases SS appliances, granite counters, white cabinetry, a walk-in pantry, & a center island with a breakfast bar. Unique floor plan upstairs includes a large loft! The main bedroom is a true retreat with two walk-in closets & a private bathroom. You'll love the generously sized additional 3 secondary bedrooms upstairs, another full bathroom plus a Jack & Jill bathroom. Blank canvas backyard featuring a covered patio and view of stunning mountain vistas. Don't miss it!

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 $16,075. 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

Bedrooms5
Bathrooms5
Square feet3,112
Property typeSingle Family
MLS #6998445
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)
$3,475/mo
Source est. payment (PITI)
$3,633/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$16,075

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

$0$16,075
Additional funds needed$0

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