Properties / 4512 S Mole
FHA ASSUMABLERate: 6.5%

4512 S Mole

$459,990
Mesa, AZ 85212
3 beds3 baths1,509 sqftSingle Family
The assumable advantage
6.5%
FHA assumed rate
$34,964 interest already paid off
Estimated Loan Balance$377,527
Cash to close$82,836
Est. Monthly PITI$2,788
Initial Loan Amount$382,543
Time on site50 days
Remaining Term28 years, 8 months
Seller's equity (what you pay)
$82,463
Cash or secondary financing
Monthly savings
$290
Versus today's market rate
Est. savings per year
$3K
Versus today's market rate

About this home

Why wait to build? This beautifully upgraded 2025 home offers all the benefits of new construction with thoughtful improvements already complete! The professionally landscaped backyard, ceiling fans throughout the bedrooms and living room, and custom garage cabinetry mean you can move in and start enjoying your new home from day one. Inside, the popular Cyan floor plan features a stunning kitchen with 42'' Birch Quill cabinetry, quartz countertops, designer tile backsplash, and 12x24 tile flooring throughout the main living areas. Built as a High Performance Smart Home, you'll also enjoy a whole-house air purification system, tankless water heater, and Apple HomePod Smart Home Kit. Modern design, energy efficiency, and turnkey convenience all come together in this exceptional 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 $82,463. 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 feet1,509
Property typeSingle Family
MLS #7050933
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)
$2,423/mo
Source est. payment (PITI)
$2,788/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$82,463

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

$0$82,463
Additional funds needed$0

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