Properties / 23043 E SUNNY Lane
FHA ASSUMABLERate: 3.6%

23043 E SUNNY Lane

$369,800
Florence, AZ 85132
3 beds2 baths1,552 sqftSingle Family
The assumable advantage
3.6%
FHA assumed rate
$42,711 interest already paid off
Estimated Loan Balance$158,141
Cash to close$211,659
Est. Monthly PITI$1,214
Initial Loan Amount$184,218
Time on site7 days
Remaining Term23 years, 2 months
Seller's equity (what you pay)
$211,659
Cash or secondary financing
Monthly savings
$1,342
Versus today's market rate
Est. savings per year
$16K
Versus today's market rate

About this home

Enjoy space, privacy, and Arizona living on approximately 1.25 acres in Florence! This inviting 3-bedroom, 2-bath home offers 1,552 sq ft, plus a versatile bonus space off the primary suite--perfect for a home office, nursery, exercise room, or private retreat. Inside, you'll find easy-care tile flooring, an eat-in kitchen with pantry, and a comfortable, functional layout. Step outside to your own covered patio, RV/boat parking, and plenty of room for toys, hobbies, animals, or outdoor entertaining. GoodLeap solar adds energy efficiency, while a 2-car garage provides additional parking and storage. With no HOA and room to spread out, this property offers the freedom to enjoy the Arizona lifestyle!

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 $211,659. 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

Bedrooms3
Bathrooms2
Square feet1,552
Property typeSingle Family
MLS #7070979
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)
$839/mo
Source est. payment (PITI)
$1,214/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$211,659

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

$0$211,659
Additional funds needed$0

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