Properties / 2134 W EPHESUS Court
FHA ASSUMABLERate: 2.36%

2134 W EPHESUS Court

$390,000
Tucson, AZ 85742
3 beds2 baths1,465 sqftSingle Family
The assumable advantage
2.36%
FHA assumed rate
$30,034 interest already paid off
Estimated Loan Balance$233,689
Cash to close$160,237
Est. Monthly PITI$1,574
Initial Loan Amount$262,226
Time on site50 days
Remaining Term24 years, 10 months
Seller's equity (what you pay)
$156,311
Cash or secondary financing
Monthly savings
$1,263
Versus today's market rate
Est. savings per year
$15K
Versus today's market rate

About this home

Charming 3 bedroom, 2 bathroom single-story home in a new desirable gated community in northwest Tucson. Ideally situated in a quiet cul-de-sac backing to open space used by the nearby golf course for storage, this property provides added privacy with minimal noise and activity. Offering 1,465 square feet of comfortable living space, the open great room design creates a bright and inviting atmosphere, seamlessly connecting the living, dining, and kitchen areas--perfect for everyday living and entertaining. The kitchen features stainless steel appliances, granite countertops, a closet pantry, and a center island with breakfast bar seating. The primary suite includes a walk-in closet and an en-suite bathroom with dual-sink vanity and a walk-in shower. Two additional bedrooms, one including a walk-in closet, offer flexibility for guests, a home office, or hobbies. Step outside to a low-maintenance backyard complete with a covered patio, pergola, custom brickwork, rattlesnake fencing for peace of mind and beautiful mountain views--an ideal space to relax and enjoy Arizona evenings.

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 $156,311. 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 feet1,465
Property typeSingle Family
MLS #6990025
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)
$1,037/mo
Source est. payment (PITI)
$1,574/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$156,311

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

$0$156,311
Additional funds needed$0

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