Properties / 37729 W SANTA CLARA Avenue
VA ASSUMABLERate: 6.49%

37729 W SANTA CLARA Avenue

$385,000
Maricopa, AZ 85138
4 beds3 baths2,258 sqftSingle Family
The assumable advantage
6.49%
VA assumed rate
$51,225 interest already paid off
Estimated Loan Balance$375,890
Cash to close$10,277
Est. Monthly PITI$2,684
Initial Loan Amount$383,200
Time on site50 days
Remaining Term28 years
Seller's equity (what you pay)
$9,110
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

Modern design meets effortless Arizona living in this spacious 4-bedroom, 3-bath single-story home. Thoughtfully designed with elevated finishes and an open-concept layout, this home offers the perfect balance of style, comfort, and functionality. Step inside to discover soaring 11-foot ceilings in the expansive great room, creating a bright and airy atmosphere ideal for entertaining guests or enjoying everyday living. Elegant 8-foot interior doors, contemporary black shaker cabinetry, and large 20'' x 20'' tile flooring throughout the main living areas add a sophisticated, modern touch. The beautifully appointed kitchen is sure to impress, featuring sleek granite countertops, a farmhouse-style sink, Whirlpool stainless steel gas appliances, and abundant cabinet space for storage and organization. Oversized sliding glass doors seamlessly connect the indoor living spaces to the covered patio, creating the perfect extension of Arizona's sought-after indoor-outdoor lifestyle. Additional highlights include window coverings already in place and the latest smart home technology, providing convenience, efficiency, and peace of mind. With generous living spaces, designer finishes, and a floor plan built for entertaining, this exceptional home offers modern living at its finest.

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 $9,110. 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

Bedrooms4
Bathrooms3
Square feet2,258
Property typeSingle Family
MLS #7039369
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)
$2,430/mo
Source est. payment (PITI)
$2,684/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$9,110

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

$0$9,110
Additional funds needed$0

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