Properties / 41980 W Sunland Drive
FHA ASSUMABLERate: 2.99%

41980 W Sunland Drive

$330,000
Maricopa, AZ 85138
3 beds3 baths1,546 sqftSingle Family
The assumable advantage
2.99%
FHA assumed rate
$38,716 interest already paid off
Estimated Loan Balance$200,922
Cash to close$129,549
Est. Monthly PITI$1,420
Initial Loan Amount$230,743
Time on site28 days
Remaining Term24 years, 1 month
Seller's equity (what you pay)
$129,078
Cash or secondary financing
Monthly savings
$970
Versus today's market rate
Est. savings per year
$12K
Versus today's market rate

About this home

Welcome to this beautiful 3-bedroom + loft home in the highly sought-after Rancho El Dorado community. Designed for comfort and Arizona living, this home features a spacious layout, versatile loft, and solar panels. Step outside to your private backyard oasis featuring a sparkling pool, covered patio, fire pit, ambient lighting, and beautifully landscaped surroundings perfect for entertaining or relaxing under the Arizona sky. Enjoy Rancho El Dorado amenities including a scenic lake, playground, and sports courts. Move-in ready and offering the perfect blend of indoor comfort and resort-style outdoor living this Maricopa home is a must-see!

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 $129,078. 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
Bathrooms3
Square feet1,546
Property typeSingle Family
MLS #7065195
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)
$976/mo
Source est. payment (PITI)
$1,420/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$129,078

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

$0$129,078
Additional funds needed$0

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