Properties / 1012 W APACHE Trail
VA ASSUMABLERate: 2.89%

1012 W APACHE Trail

$470,000
Camp Verde, AZ 86322
3 beds2 baths1,569 sqftSingle Family
The assumable advantage
2.89%
VA assumed rate
$32,002 interest already paid off
Estimated Loan Balance$177,425
Cash to close$293,407
Est. Monthly PITI$1,073
Initial Loan Amount$202,754
Time on site50 days
Remaining Term24 years, 3 months
Seller's equity (what you pay)
$292,575
Cash or secondary financing
Monthly savings
$1,923
Versus today's market rate
Est. savings per year
$23K
Versus today's market rate

About this home

Move right into this beautifully updated home where modern finishes, quality craftsmanship, & room to grow come together. With sturdy 2x6 construction, this well-maintained home features a bright, inviting interior with a split floor plan; 3 bedrooms & 2 baths plus a bonus room that easily serves as a 4th bedroom. Relax on the oversized covered patio & enjoy 180° views from the Verde Greenbelt & Copper Canyon all the way to Jerome. Additionally, sale includes two parcels totaling 3.2 acres. The second lot shares established well & a separate septic system, creating a rare opportunity for a head start on another home, multigenerational living, guest quarters, or future resale. With proximity to town & I17 you get both small town living & access to amenities. This is the life you dreamed of! Additionally, sale includes two parcels totaling 3.2 acres. The second lot shares established well & a separate septic system, creating a rare opportunity for a head start on another home, multigenerational living, guest quarters, or future resale. With proximity to town & I17 you get both small town living & access to amenities. This is the life you dreamed of!

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 $292,575. 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

Bedrooms3
Bathrooms2
Square feet1,569
Property typeSingle Family
MLS #7052810
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)
$849/mo
Source est. payment (PITI)
$1,073/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$292,575

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

$0$292,575
Additional funds needed$0

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