Properties / 18639 W VIA MONTOYA Drive
FHA ASSUMABLERate: 4.99%

18639 W VIA MONTOYA Drive

$525,000
Surprise, AZ 85387
4 beds3 baths2,663 sqftSingle Family
The assumable advantage
4.99%
FHA assumed rate
$7,313 interest already paid off
Estimated Loan Balance$440,455
Cash to close$85,608
Est. Monthly PITI$2,878
Initial Loan Amount$440,455
Time on site50 days
Remaining Term29 years, 9 months
Seller's equity (what you pay)
$84,545
Cash or secondary financing
Monthly savings
$726
Versus today's market rate
Est. savings per year
$9K
Versus today's market rate

About this home

What a beautiful two-story home, complete with solar panels for added energy efficiency! Offering a 3-car garage and an RV gate. Designed for both everyday living and entertaining, the spacious open floor plan creates a warm and welcoming ambiance. Well-appointed kitchen is a chef's dream, featuring stainless steel appliances, abundant cabinets with crown moulding, a pantry, recessed lighting, granite counters, and a prep island with a breakfast bar. Large main retreat showcases plush carpet, an ensuite with a soaking tub, and a walk-in closet. Versatile den and the loft provide endless possibilities as a media room, playroom, office, or additional living space. Wonderful backyard continues to impress with a paver seating area, gazebo, and sparkling pool. This one-of-a-kind gem is the one!

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 $84,545. 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 feet2,663
Property typeSingle Family
MLS #7055428
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)
$2,370/mo
Source est. payment (PITI)
$2,878/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$84,545

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

$0$84,545
Additional funds needed$0

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