Properties / 14178 W CALLE LEJOS
VA ASSUMABLERate: 5.75%

14178 W CALLE LEJOS

$570,000
Surprise, AZ 85387
4 beds3 baths2,229 sqftSingle Family
The assumable advantage
5.75%
VA assumed rate
$81,066 interest already paid off
Estimated Loan Balance$503,671
Cash to close$66,329
Est. Monthly PITI$3,370
Initial Loan Amount$521,833
Time on site1 day
Remaining Term27 years, 4 months
Seller's equity (what you pay)
$66,329
Cash or secondary financing
Monthly savings
$312
Versus today's market rate
Est. savings per year
$4K
Versus today's market rate

About this home

This is THE ONE! This 2023 home isn't just like-new, it has the kind of charm and character that sets it apart from everything else on the market. The sellers styled it beautifully: designer-inspired accent walls, modern paint in warm tones, updated light fixtures, and new wood-look tile throughout with fresh carpet in the bedrooms. Simply add a door to the current flex space for an easy 4th bedroom, or keep it as a playroom or office, it already has a closet for extra storage. And the upgrades that matter go beyond looks: 10 foot ceilings, double glass sliding door, top-of-the-line GE Café appliances, quartz countertops, reverse osmosis, oversized island, and a gourmet kitchen setup with a hood, cooktop, built-in oven and more. Step outside to a fully landscaped backyard built for entertaining. Featuring an extended covered patio, oversized pavers with a luxury feel, sun shades, a built-in gas fire pit, a rare magnolia tree, storage shed and a generous grassy area. The temperature-controlled 3-car tandem garage comes with extra insulation, ample built-in storage cabinets and overhead storage with epoxy floors to create your home gym, workshop or to store all your toys. The location genuinely can't be beat with The Four Corners and all that Peoria has to offer just 10 minutes east of you and Asante in Surprise about 5 minutes west. Your front door is just steps from a community greenbelt and playground that basically functions as an extension of your own backyard. This single-level-only community means no two-story neighbors blocking your view, just open sky and desert mountain views in every direction. Built for community and connection, the neighborhood offers walking and biking paths, playgrounds, basketball courts, and volleyball courts around nearly every corner. VA-eligible buyers: ask your agent about assuming the seller's VA loan for a payment that beats today's market at a 5.75% rate. Welcome home.

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 $66,329. 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

Bedrooms4
Bathrooms3
Square feet2,229
Property typeSingle Family
MLS #7078011
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)
$3,049/mo
Source est. payment (PITI)
$3,370/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$66,329

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

$0$66,329
Additional funds needed$0

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