Properties / 3982 E SIDESADDLE Road
VA ASSUMABLERate: 2.78%

3982 E SIDESADDLE Road

$399,900
San Tan Valley, AZ 85140
4 beds2 baths1,819 sqftSingle Family
The assumable advantage
2.78%
VA assumed rate
$49,148 interest already paid off
Estimated Loan Balance$322,020
Cash to close$78,621
Est. Monthly PITI$1,782
Initial Loan Amount$362,840
Time on site42 days
Remaining Term24 years, 11 months
Seller's equity (what you pay)
$77,880
Cash or secondary financing
Monthly savings
$864
Versus today's market rate
Est. savings per year
$10K
Versus today's market rate

About this home

Newer home built in 2021 in a gated community. Archer Meadows Community offers a Club House, Community Pool, and playgrounds. This home offers an open floor plan with 9ft ceilings, wood plank tile in all the main living areas and bathrooms. The kitchen offers granite countertops with gas stove for cooking and island perfect for entertaining. The master is split from the other 3 bedrooms allowing for privacy. The backyard is ready for your vision. 7700sf lot with endless opportunities to make this backyard your private oasis in the desert.

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 $77,880. 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
Bathrooms2
Square feet1,819
Property typeSingle Family
MLS #7060668
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)
$1,494/mo
Source est. payment (PITI)
$1,782/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$77,880

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

$0$77,880
Additional funds needed$0

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