Properties / 4730 N 204TH Lane
VA ASSUMABLERate: 6.81%

4730 N 204TH Lane

$469,995
Buckeye, AZ 85396
2 beds2 baths1,492 sqftSingle Family
The assumable advantage
6.81%
VA assumed rate
$48,949 interest already paid off
Estimated Loan Balance$192,169
Cash to close$278,041
Est. Monthly PITI$1,681
Initial Loan Amount$200,000
Time on site43 days
Remaining Term26 years, 5 months
Seller's equity (what you pay)
$277,826
Cash or secondary financing
Monthly savings
$1,464
Versus today's market rate
Est. savings per year
$18K
Versus today's market rate

About this home

Located in Victory at Verrado, a premier 55+ community, this upgraded 2022 Lennar Armstrong offers 2 bedrooms, 2 baths, 1,492 sq ft and a two-car garage. A landscaped neighborhood park sits directly across the street, while views toward the 15th hole of the Victory Golf Course enhance the setting. Inside, the open kitchen, dining and great-room layout features high ceilings, wood-plank porcelain tile, plantation shutters, upgraded cabinetry, quartz countertops and a gourmet kitchen package. The split floor plan offers a private primary suite with dual vanities, a walk-in closet and an upgraded walk-in shower with floor-to-ceiling tile, frameless glass, rainfall showerhead and built-in bench. The secondary bedroom and full bath provide flexible space for guests, an office or both. Enjoy a covered patio and low-maintenance desert landscaping with native plantings and natural stone. Additional features include a Rinnai tankless water heater, Flo by Moen Smart Water Monitor and Automatic Shutoff system, soft-water loop and approximately $32,000 in builder-selected upgrades. With golf course views, a park across the street, a 2022 build and access to the Victory at Verrado lifestyle, this home combines thoughtful upgrades, an easy-care design and a standout location within the community.

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 $277,826. 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

Bedrooms2
Bathrooms2
Square feet1,492
Property typeSingle Family
MLS #7059366
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)
$1,308/mo
Source est. payment (PITI)
$1,681/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$277,826

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

$0$277,826
Additional funds needed$0

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