Properties / 4727 E Old West Road
FHA ASSUMABLERate: 6.15%

4727 E Old West Road

$415,000
Kingman, AZ 86401
4 beds2 baths1,939 sqftSingle Family
The assumable advantage
6.15%
FHA assumed rate
$77,788 interest already paid off
Estimated Loan Balance$362,729
Cash to close$52,715
Est. Monthly PITI$2,810
Initial Loan Amount$378,026
Time on site21 days
Remaining Term26 years, 8 months
Seller's equity (what you pay)
$52,271
Cash or secondary financing
Monthly savings
$138
Versus today's market rate
Est. savings per year
$2K
Versus today's market rate

About this home

Beautiful Home ~ Move in Ready ~ This 1,939 sf home has four bedrooms and two bathrooms with a nice open floor plan and is fully landscaped. Kitchen has stainless refrigerator, dishwasher, microwave, five burner gas range with double ovens. Deep stainless single tub sink, walk in pantry, granite counter tops and tons of prep space with the 11 foot long breakfast bar island that opens to the living room. The main bedroom is on the west side of the home and has dual vanities, a big roll in shower, walk in closet and separate toilet room. Bedrooms two & three are on the east side of the home and share the hall bathroom with a single sink and a tub shower combo. The fourth bedroom or office has double doors and sits right off the entry hall. Home is nice and bright with hand trowled walls, crown molding and beadboard doors. Gas fireplace, 86 inch Samsung TV, ceiling fans, window blinds, vinyl plank flooring and carpet in the bedrooms. Inside laundry room with upper cabinets, washer & electric dyer and gas electric hook ups. Three car attached garage has eight foot tall doors, auto openers, gas water heater with recirculation pump and soft water system with a whole house filter system. Covered rear patio with natural gas stub out for a grill, tile roof and three security screen doors. Nice sized lot with no rear neighbors, block wall, concrete walkway around home, gazebo on a concrete pad and a 10 X 12 storage shed with loft. RV drive is all concrete with a 12 ft wide gate, 50 amp plug, water and dump. The Ranch at Long Mountain is a clean, walkable, site built homes only subdivision with a $220.00 a year HOA that is used to maintain the common grounds and park. 4727 E. Old West Rd. Kingman AZ.

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 $52,271. 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 feet1,939
Property typeSingle Family
MLS #041575
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)
$2,309/mo
Source est. payment (PITI)
$2,810/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$52,271

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

$0$52,271
Additional funds needed$0

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