Properties / 15347 W GRAY FOX Trail
FHA ASSUMABLERate: 6.5%

15347 W GRAY FOX Trail

$475,000
Surprise, AZ 85387
4 beds2 baths1,697 sqftSingle Family
The assumable advantage
6.5%
FHA assumed rate
$21,461 interest already paid off
Estimated Loan Balance$439,420
Cash to close$35,993
Est. Monthly PITI$3,178
Initial Loan Amount$441,849
Time on site50 days
Remaining Term29 years, 4 months
Seller's equity (what you pay)
$35,580
Cash or secondary financing
Monthly savings
$3
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

Brand new 2025 construction home built for buyers who need SPACE, featuring a 3-car garage and dedicated RV gate that set this property apart from the rest. Park your boat, trailer, RV, work truck, or adventure gear with ease, all secured behind a private gate on an oversized lot. The spacious 3 car garage offers plenty of room for vehicles, tools, and hobbies, while the RV gate delivers the kind of access and flexibility that's nearly impossible to find in newer builds. Inside, enjoy all new finishes, a gas stove, and a full Whirlpool appliance package. Smart home tech lets you control temperature and security from your phone, plus keyless entry and a Ring doorbell with alarm. The fully landscaped backyard is move in ready no extra costs. Skip the builder waitlist and step into a turnkey home.

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 $35,580. 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 feet1,697
Property typeSingle Family
MLS #7024752
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)
$2,798/mo
Source est. payment (PITI)
$3,178/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$35,580

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

$0$35,580
Additional funds needed$0

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