Properties / 2674 S SETON Avenue
FHA ASSUMABLERate: 6.82%

2674 S SETON Avenue

$415,900
Gilbert, AZ 85295
3 beds3 baths1,546 sqftSingle Family
The assumable advantage
6.82%
FHA assumed rate
$73,726 interest already paid off
Estimated Loan Balance$414,940
Cash to close$3,047
Est. Monthly PITI$3,234
Initial Loan Amount$424,175
Time on site50 days
Remaining Term27 years, 6 months
Seller's equity (what you pay)
$960
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

Charming 3 bed, 2.5 bath Shea home on a large corner lot in the desirable South Gilbert. Located in the Gilbert school district and close to SanTan Village, restaurants, schools, and Loop 202 freeway. Great Room floor plan with engineered wood flooring in living areas and bedrooms, 20'' tile in kitchen and baths. Recent updates include 2021 A/C compressor, furnace, and heater. Property offers added privacy with only one side neighbor. Home is in approximity to parks and schools. Short sale subject to lender approval.

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 $960. 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 #6999489
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)
$2,788/mo
Source est. payment (PITI)
$3,234/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$960

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

$0$960
Additional funds needed$0

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