Properties / 25788 W COLES Road
FHA ASSUMABLERate: 7.12%

25788 W COLES Road

$329,900
Buckeye, AZ 85326
3 beds2 baths1,174 sqftSingle Family
The assumable advantage
7.12%
FHA assumed rate
$67,119 interest already paid off
Estimated Loan Balance$309,736
Cash to close$20,787
Est. Monthly PITI$2,567
Initial Loan Amount$319,014
Time on site50 days
Remaining Term27 years, 1 month
Seller's equity (what you pay)
$20,164
Cash or secondary financing
Monthly savings
$0
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

This house comes with a REDUCED RATE at List price as low as 5.875% (APR 6.274%) as of 7/14/2026 through List & Lock™. This is a seller paid rate-buydown that reduces the buyer's interest rate and monthly payment Terms apply, see disclosures for more information. Built in 2023, this 3-bed, 2-bath single-family home offers 1,174 sqft of single-level living with an open floor plan, granite counters, and stainless steel appliances. A 2-car garage adds parking and storage. The large dirt backyard is a blank canvas ready for landscaping, a pool, or your own vision. Set in Buckeye's Terravista community, the home is tenant-occupied with move-in available October 3rd.

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 $20,164. 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
Bathrooms2
Square feet1,174
Property typeSingle Family
MLS #7055368
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)
$2,153/mo
Source est. payment (PITI)
$2,567/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$20,164

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

$0$20,164
Additional funds needed$0

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