Properties / 4523 W WAGONER Road
FHA ASSUMABLERate: 5.52%

4523 W WAGONER Road

$430,000
Glendale, AZ 85308
3 beds2 baths1,794 sqftSingle Family
The assumable advantage
5.52%
FHA assumed rate
$89,260 interest already paid off
Estimated Loan Balance$385,324
Cash to close$45,771
Est. Monthly PITI$2,867
Initial Loan Amount$407,483
Time on site50 days
Remaining Term26 years
Seller's equity (what you pay)
$44,676
Cash or secondary financing
Monthly savings
$207
Versus today's market rate
Est. savings per year
$2K
Versus today's market rate

About this home

LOCATION, LIFESTYLE, AND COMFORT ALL IN ONE! This well-cared-for 3-bed, 1.75-bath home offers 1,797 sqft of inviting living space in a highly desirable location. Enjoy the convenience of having a golf course, tennis courts, and community pools within walking distance, while shopping, dining, and major freeways are just minutes away. Inside, the open floor plan is designed for everyday living and entertaining, featuring an eat-in kitchen, breakfast bar, and formal dining area. Recent upgrades include a new roof (2024), new plumbing (2025), new water heater (2025), and a water softener. The generous backyard is complete with attractive desert landscaping and a covered patio, perfect for relaxing, entertaining, or enjoying Arizona's weather. Move-in-ready home offering exceptional amenities!

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 $44,676. 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 feet1,794
Property typeSingle Family
MLS #7038850
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)
$2,329/mo
Source est. payment (PITI)
$2,867/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$44,676

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

$0$44,676
Additional funds needed$0

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