Properties / 3902 E PINTO VALLEY Road
FHA ASSUMABLERate: 3.06%

3902 E PINTO VALLEY Road

$320,000
San Tan Valley, AZ 85143
4 beds2 baths1,699 sqftSingle Family
The assumable advantage
3.06%
FHA assumed rate
$49,166 interest already paid off
Estimated Loan Balance$288,391
Cash to close$32,894
Est. Monthly PITI$1,862
Initial Loan Amount$324,022
Time on site46 days
Remaining Term24 years, 9 months
Seller's equity (what you pay)
$31,609
Cash or secondary financing
Monthly savings
$501
Versus today's market rate
Est. savings per year
$6K
Versus today's market rate

About this home

Some homes simply feel different the moment you arrive. From the welcoming curb appeal to the thoughtfully designed split floor plan, this beautifully maintained 4 bedroom, 2 bath home offers the perfect balance of comfort, functionality, and everyday living. Natural light fills the living spaces, while the open layout creates an inviting atmosphere for entertaining or relaxing with family. The spacious primary suite provides a private retreat, while the additional bedrooms offer flexibility for guests, a home office, or whatever fits your lifestyle. Step outside to a covered patio and low maintenance backyard designed for enjoying Arizona evenings. An added advantage is that this home may qualify for a below market interest rate through a special financing program for eligible buyer

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 $31,609. 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
Bathrooms2
Square feet1,699
Property typeSingle Family
MLS #7058951
CountyMaricopa County
Assumable loanFHA
Tour this home
In person or virtual.
Prefer virtual tour?
Free · No commitment · Typical reply in 15 min
Investor?
FHA is primary-residence only. But Jeff has VA assumables in the same area.
Jeff Salazar
Active now · (602) 332-3860
Call

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)
$1,386/mo
Source est. payment (PITI)
$1,862/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$31,609

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

$0$31,609
Additional funds needed$0

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