Properties / 12050 N Panorama Drive
VA ASSUMABLERate: 3.16%

12050 N Panorama Drive

$249,990
Fountain Hills, AZ 85268
2 beds2 baths1,204 sqftSingle Family
The assumable advantage
3.16%
VA assumed rate
$30,808 interest already paid off
Estimated Loan Balance$153,275
Cash to close$99,132
Est. Monthly PITI$969
Initial Loan Amount$173,430
Time on site50 days
Remaining Term24 years
Seller's equity (what you pay)
$96,715
Cash or secondary financing
Monthly savings
$714
Versus today's market rate
Est. savings per year
$9K
Versus today's market rate

About this home

GREAT OPPORTUNITY IN THE HEART OF FOUNTAIN HILLS! LOWEST PRICED 2BED/2BATH CONDO WITH ONE CAR GARAGE IN THE ZIP CODE!! **Seller concession of $5K towards buyer closing costs. Assumable VA loan at 2.75%** This top floor unit on one level, has views, with new carpet, new paint, new washer/dryer and new dishwasher! A perfect investment, primary residence or vacation property. Only a 1/2 mile walk, run or bike ride to Fountain Park. Lounge by the newly remodeled pool and enjoy fountain, mountain and wash views!! Walk-in kitchen pantry, walk-in master closet, in unit laundry, 1 garage space and covered balcony.

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 $96,715. 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 feet1,204
Property typeSingle Family
MLS #6985103
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)
$760/mo
Source est. payment (PITI)
$969/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$96,715

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

$0$96,715
Additional funds needed$0

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