Properties / 4714 E MORNING VISTA Lane
FHA ASSUMABLERate: 4.38%

4714 E MORNING VISTA Lane

$477,000
Cave Creek, AZ 85331
2 beds2 baths1,454 sqftSingle Family
The assumable advantage
4.38%
FHA assumed rate
$72,112 interest already paid off
Estimated Loan Balance$69,784
Cash to close$408,201
Est. Monthly PITI$976
Initial Loan Amount$116,495
Time on site50 days
Remaining Term12 years, 10 months
Seller's equity (what you pay)
$407,216
Cash or secondary financing
Monthly savings
$2,220
Versus today's market rate
Est. savings per year
$27K
Versus today's market rate

About this home

Beautifully updated Cave Creek home in a highly desirable community with resort-style amenities! This move-in ready property features fresh interior paint, updated flooring, and NEW A/C for added comfort and peace of mind. The spacious layout offers bright living areas, generously sized bedrooms, and a functional kitchen perfect for everyday living and entertaining. Enjoy relaxing outdoor spaces along with access to the community pool and recreation areas, including pickleball courts. Conveniently located near shopping, dining, hiking, and everything Cave Creek living has to offer. A fantastic opportunity to own a stylish, low-maintenance home in an amazing location!

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 $407,216. 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

Bedrooms2
Bathrooms2
Square feet1,454
Property typeSingle Family
MLS #7031666
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)
$593/mo
Source est. payment (PITI)
$976/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$407,216

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

$0$407,216
Additional funds needed$0

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