Properties / 13208 N 174TH Drive
FHA ASSUMABLERate: 6.99%

13208 N 174TH Drive

$488,900
Surprise, AZ 85388
4 beds3 baths2,141 sqftSingle Family
The assumable advantage
6.99%
FHA assumed rate
$72,002 interest already paid off
Estimated Loan Balance$454,959
Cash to close$36,102
Est. Monthly PITI$3,613
Initial Loan Amount$463,000
Time on site50 days
Remaining Term27 years, 10 months
Seller's equity (what you pay)
$33,941
Cash or secondary financing
Monthly savings
$0
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

NEW 2023 CONSTRUCTION WITH TWO MASTER SUITES, 10-FOOT CEILINGS AND A CHEF'S KITCHEN! This beautifully upgraded single level home sits in the desirable Aria Ranch community, surrounded by other single-story homes for added privacy, minutes from Prasada shopping center. Inside, soaring 10-foot ceilings open up a bright, spacious layout. 4 bedrooms and 3 full bathrooms include two ensuite bedrooms, ideal for guests or multi-generational living. The chef's kitchen impresses with tall upgraded cabinetry, a built-in oven & microwave, vent hood and abundant prep space. The primary suite offers dual sinks, a tiled shower and a large walk-in closet. Throughout the home you'll find abundant storage, giving everything its place and keeping the home organized and clutter free. Step outside to a spacious backyard with natural grass and a large concrete slab already in place, perfect for creating your own sport court, pickleball court, basketball area, or transforming it into a cozy outdoor entertaining space with a gazebo or pergola. The Prasada Shopping Center has dining, shopping and entertainment, plus quick access to Loop 303. This home offers the perfect balance of comfort, convenience and modern style.

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 $33,941. 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 feet2,141
Property typeSingle Family
MLS #7008025
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)
$3,095/mo
Source est. payment (PITI)
$3,613/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$33,941

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

$0$33,941
Additional funds needed$0

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