Properties / 10347 S Saguaro Drive
FHA ASSUMABLERate: 6.67%

10347 S Saguaro Drive

$399,900
Apache Junction, AZ 85120
3 beds2 baths1,545 sqftSingle Family
The assumable advantage
6.67%
FHA assumed rate
$68,406 interest already paid off
Estimated Loan Balance$391,114
Cash to close$8,373
Est. Monthly PITI$3,147
Initial Loan Amount$402,573
Time on site0 days
Remaining Term27 years, 6 months
Seller's equity (what you pay)
$8,786
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

Charming 3-Bedroom, 2 bathroom home in Radiance at Superstition Vistas! A brand-new master-planned community where Mesa meets Apache Junction! This energy-efficient Caroline model features 1,545 sq. ft. of thoughtfully designed living space with 3 bedrooms and 2 bathrooms. Enjoy an open and spacious floor plan with 9-foot ceilings, bright white walls, and beautiful tile flooring in all common areas. The modern kitchen boasts stunning granite countertops, a large island, and plenty of storage--perfect for entertaining! Located in a prime spot with easy access to the 24, 60, and 202 freeways, this home offers both city convenience and breathtaking views of the Superstition Mountains. The community amenities include a resort-style pool, 1,000 sq. ft. clubhouse with a fitness center, a splash pad (state-of-the-art) for fun water features, playground/tot lot for kids, fire pits for gatherings, parks and walking trails.

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 $8,786. 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

Bedrooms3
Bathrooms2
Square feet1,545
Property typeSingle Family
MLS #7079782
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)
$2,590/mo
Source est. payment (PITI)
$3,147/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$8,786

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

$0$8,786
Additional funds needed$0

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