Properties / 3995 S 178th Lane
VA ASSUMABLERate: 6.5%

3995 S 178th Lane

$537,690
Goodyear, AZ 85338
4 beds4 baths2,639 sqftSingle Family
The assumable advantage
6.5%
VA assumed rate
$21,593 interest already paid off
Estimated Loan Balance$179,699
Cash to close$358,175
Est. Monthly PITI$1,341
Initial Loan Amount$183,000
Time on site50 days
Remaining Term28 years, 3 months
Seller's equity (what you pay)
$357,991
Cash or secondary financing
Monthly savings
$2,012
Versus today's market rate
Est. savings per year
$24K
Versus today's market rate

About this home

$30,000 BUYER INCENTIVE! Seller offering up to $30,000 flex credit toward buyer's allowable closing costs and/or interest-rate buydown. Welcome to the Juniper Floor Plan, a magnificent single-story haven meticulously designed to offer space, comfort, and versatility. Boasting an expansive 2639 square feet, this home provides a seamless fusion of elegance and practicality. Discover the allure of 4 beautifully appointed bedrooms, each offering a serene sanctuary for rest and rejuvenation. The Owners Suite stands out as a true retreat, featuring a walk-in closet that keeps your belongings organized and easily accessible. The charming porch creates a warm and welcoming atmosphere and the covered patio extends the living area, providing an ideal spot for outdoor gatheri

How assumption works for this home

Can I assume this VA loan?

Yes, as long as you meet the lender's credit (620+) and DTI requirements. You do NOT need to be a veteran to assume a VA loan — this is a common misconception.

How much cash do I actually need?

You need to cover the seller's equity of $357,991. If you don't have that in cash, we can help structure secondary financing to cover the gap.

Can investors assume this one?

Yes — VA assumptions can be used for investment properties. You can rent this home out.

How long does this take?

Typically 45 days. The lender underwriting is 2–3 weeks, and the rest is standard closing.

Property details

Bedrooms4
Bathrooms4
Square feet2,639
Property typeSingle Family
MLS #7023845
CountyMaricopa County
Assumable loanVA
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Investor?
This VA loan can be assumed and rented. Talk to Jeff about the ROI math.
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)
$1,159/mo
Source est. payment (PITI)
$1,341/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$357,991

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

$0$357,991
Additional funds needed$0

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