Properties / 4854 S GRENOBLE
VA ASSUMABLERate: 4.28%

4854 S GRENOBLE

$430,000
Mesa, AZ 85212
4 beds2 baths1,638 sqftSingle Family
The assumable advantage
4.28%
VA assumed rate
$86,524 interest already paid off
Estimated Loan Balance$254,582
Cash to close$175,968
Est. Monthly PITI$1,761
Initial Loan Amount$295,213
Time on site23 days
Remaining Term22 years, 8 months
Seller's equity (what you pay)
$175,418
Cash or secondary financing
Monthly savings
$1,072
Versus today's market rate
Est. savings per year
$13K
Versus today's market rate

About this home

Welcome home to this beautifully upgraded and truly move-in-ready 4-bedroom, 2-bath home in the highly desirable Bella Via community! From the moment you walk in, you'll notice the bright, clean finishes, beautiful cabinetry, light countertops, and wood-look plank flooring that flows throughout the main living areas. The kitchen is both stylish and functional, featuring stainless steel appliances, breakfast nook, and a Kinetico whole-home water softener with purified drinking water system. Another major bonus is the AC system, which is less than 2 years old. The garage also features epoxy flooring and custom built-in storage cabinets for added functionality and organization. The backyard is made for Arizona outdoor living. Professionally landscaped with lush green grass, decorativ curbing, and an expansive paver patio that extends all the way to the rear of the yard, there is plenty of space to relax, entertain, or simply enjoy the outdoors. A dedicated sitting area, outdoor fireplace, and natural gas BBQ create the perfect setup for entertaining and enjoying evenings with friends and family. Living in Bella Via means having incredible amenities right outside your door. The community features a beautiful community center, multiple dog parks and neighborhood parks throughout, a splash pad, basketball courts, playgrounds, an amphitheater, miles of walking trails, exercise stations, social gardens, ramadas, BBQ areas, a central fountain, and more. Conveniently located near shopping, dining, and major freeways, with Gilbert schools and Mesa taxes. With thoughtful upgrades, a newer AC, a fantastic backyard, and an amenity-filled community, this home checks all the boxes!

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 $175,418. 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
Bathrooms2
Square feet1,638
Property typeSingle Family
MLS #7068429
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)
$1,464/mo
Source est. payment (PITI)
$1,761/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$175,418

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

$0$175,418
Additional funds needed$0

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