Properties / 4210 S 186TH Avenue
FHA ASSUMABLERate: 3.46%

4210 S 186TH Avenue

$550,000
Goodyear, AZ 85338
4 beds3 baths3,204 sqftSingle Family
The assumable advantage
3.46%
FHA assumed rate
$81,924 interest already paid off
Estimated Loan Balance$211,933
Cash to close$339,841
Est. Monthly PITI$1,760
Initial Loan Amount$268,727
Time on site50 days
Remaining Term20 years, 3 months
Seller's equity (what you pay)
$338,067
Cash or secondary financing
Monthly savings
$2,030
Versus today's market rate
Est. savings per year
$24K
Versus today's market rate

About this home

Experience the best of Goodyear living in Las Brisas! This spacious home offers just over 3200 sq ft, 4 bedrooms, 2.5 baths, a huge loft, expansive primary suite, dedicated library/office, plus a den that could easily serve as a 5th bedroom. Designed for both everyday comfort and entertaining, enjoy a large great room, formal dining, and an open kitchen with granite counters, abundant cabinetry, and oversized corner pantry. Step outside to a low maintenance backyard with sparkling pool, perfect for Arizona evenings. Solar helps keep energy costs down while the location places you minutes from dining, shopping, golf, hiking & biking trails, Goodyear Civic Square, Goodyear Rec Center, and more. See this home today before it's gone!

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 $338,067. 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 feet3,204
Property typeSingle Family
MLS #7034772
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)
$1,214/mo
Source est. payment (PITI)
$1,760/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$338,067

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

$0$338,067
Additional funds needed$0

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