Properties / 4323 W Gary Way
FHA ASSUMABLERate: 2.84%

4323 W Gary Way

$484,000
Laveen, AZ 85339
4 beds3 baths2,241 sqftSingle Family
The assumable advantage
2.84%
FHA assumed rate
$47,264 interest already paid off
Estimated Loan Balance$319,912
Cash to close$164,808
Est. Monthly PITI$2,149
Initial Loan Amount$357,631
Time on site44 days
Remaining Term25 years, 2 months
Seller's equity (what you pay)
$164,088
Cash or secondary financing
Monthly savings
$1,370
Versus today's market rate
Est. savings per year
$16K
Versus today's market rate

About this home

Welcome home to this beautifully designed 2021 DR Horton single-level home offering 4 bedrooms, 3 full bathrooms, a private office, and 2,241 sq. ft. of modern living. The open-concept floor plan features 9-foot ceilings, quartz countertops, a large kitchen island, stainless steel appliances, and spacious formal and casual dining areas. The split primary suite offers a luxurious bath with dual vanities, soaking tub, and separate shower. Step outside to your private backyard oasis with a sparkling play pool, synthetic turf, and low-maintenance landscaping. Enjoy stunning mountain views, desirable north/south exposure, a 2-car garage, and a fantastic Laveen location close to parks, schools, shopping, dining, and easy freeway access. Move-in ready and waiting for you!

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 $164,088. 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 feet2,241
Property typeSingle Family
MLS #7058694
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)
$1,484/mo
Source est. payment (PITI)
$2,149/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$164,088

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

$0$164,088
Additional funds needed$0

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