Properties / 4585 N VALLEY VISTA Avenue
VA ASSUMABLERate: 6.27%

4585 N VALLEY VISTA Avenue

$215,000
Douglas, AZ 85607
4 beds2 baths1,514 sqftSingle Family
The assumable advantage
6.27%
VA assumed rate
$7,899 interest already paid off
Estimated Loan Balance$167,316
Cash to close$47,684
Est. Monthly PITI$1,221
Initial Loan Amount$168,615
Time on site0 days
Remaining Term29 years, 3 months
Seller's equity (what you pay)
$47,684
Cash or secondary financing
Monthly savings
$227
Versus today's market rate
Est. savings per year
$3K
Versus today's market rate

About this home

Looking for space? This 4-bedroom, 2-bath manufactured home sits on nearly 4 acres and offers the room you've been looking for! The home is in good condition and features a comfortable, functional layout. Outside, enjoy plenty of open space with room for horses and outdoor activities. A great opportunity to own a home with acreage and possibilities.

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 $47,684. 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 feet1,514
Property typeSingle Family
MLS #7078577
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)
$1,041/mo
Source est. payment (PITI)
$1,221/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$47,684

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

$0$47,684
Additional funds needed$0

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