Properties / 19040 W BECKER Lane
VA ASSUMABLERate: 4.17%

19040 W BECKER Lane

$630,000
Surprise, AZ 85388
4 beds4 baths3,372 sqftSingle Family
The assumable advantage
4.17%
VA assumed rate
$107,537 interest already paid off
Estimated Loan Balance$572,401
Cash to close$58,624
Est. Monthly PITI$3,389
Initial Loan Amount$618,492
Time on site46 days
Remaining Term25 years, 9 months
Seller's equity (what you pay)
$57,599
Cash or secondary financing
Monthly savings
$690
Versus today's market rate
Est. savings per year
$8K
Versus today's market rate

About this home

Welcome to this spacious 4-bedroom, 3.5-bath home designed for comfortable living and effortless entertaining. Offering approximately 3,689 square feet, the open and inviting floor plan features generous gathering spaces, soaring 10-foot ceilings, upgraded finishes, a gourmet kitchen, and a large upstairs loft. All four bedrooms and three full bathrooms are located upstairs, while a convenient half bathroom serves the main level. Step outside to your own private backyard retreat, complete with a newer sparkling pool, shaded ramada ideal for grilling and outdoor dining, and an oversized covered patio with plenty of room to relax and entertain. With expansive living areas inside and an impressive poolside setting outside, this home offers exceptional space for hosting, gathering, and enjoying the Arizona lifestyle. A three-car attached garage completes this beautiful home. Located in one of Surprise's rapidly growing areas, the home is convenient to an expanding selection of shopping, dining, entertainment, and everyday services. The nearby Village at Prasada area offers popular retailers, restaurants, and newer additions such as Target, with continued commercial development bringing even more amenities to the surrounding 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 $57,599. 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
Bathrooms4
Square feet3,372
Property typeSingle Family
MLS #7056196
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)
$3,025/mo
Source est. payment (PITI)
$3,389/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$57,599

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

$0$57,599
Additional funds needed$0

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