Properties / 4381 W MOUNTAIN LAURAL Drive
VA ASSUMABLERate: 7.44%

4381 W MOUNTAIN LAURAL Drive

$525,000
San Tan Valley, AZ 85144
5 beds3 baths2,813 sqftSingle Family
The assumable advantage
7.44%
VA assumed rate
$90,331 interest already paid off
Estimated Loan Balance$450,461
Cash to close$75,365
Est. Monthly PITI$3,541
Initial Loan Amount$461,013
Time on site50 days
Remaining Term27 years, 5 months
Seller's equity (what you pay)
$74,539
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

Move-in ready 2023 build! An elegant covered porch and foyer lead to an open-concept layout connecting a light-filled dining area to a spacious Great Room with covered patio. The kitchen shines with upgraded 42'' cabinets in Flagstone stain and beautiful quartz counters. Upgraded tile throughout the living areas, cozy carpet in bedrooms and upstairs. The first-floor owner's suite offers a large walk-in closet and private bath. Upstairs, a bright loft makes the perfect flex space, plus 3 bedrooms and a full bath, 2 with walk-in closets. Step outside to a beautifully finished, low-maintenance backyard with turf, an extended patio, and partial mountain views. Come see it before it's gone!

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 $74,539. 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
Bathrooms3
Square feet2,813
Property typeSingle Family
MLS #7049881
CountyMaricopa County
Assumable loanVA
Tour this home
In person or virtual.
Prefer virtual tour?
Free · No commitment · Typical reply in 15 min
Investor?
This VA loan can be assumed and rented. Talk to Jeff about the ROI math.
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)
$3,213/mo
Source est. payment (PITI)
$3,541/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$74,539

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

$0$74,539
Additional funds needed$0

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