Properties / 5314 N 182nd Lane
VA ASSUMABLERate: 6.5%

5314 N 182nd Lane

$975,000
Litchfield Park, AZ 85340
4 beds4 baths3,607 sqftSingle Family
The assumable advantage
6.5%
VA assumed rate
$30,174 interest already paid off
Estimated Loan Balance$927,163
Cash to close$48,697
Est. Monthly PITI$6,321
Initial Loan Amount$930,555
Time on site35 days
Remaining Term29 years, 6 months
Seller's equity (what you pay)
$47,837
Cash or secondary financing
Monthly savings
$0
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

VA, Assumable loan! Welcome to this beautifully upgraded 4-bedroom, 3.5-bathroom modern farmhouse offering 3,607 sq ft of thoughtfully designed living space. Featuring a separate casita with its own private entrance and a spacious 4-car garage, this home is perfect for multigenerational living, guests, or a private home office. Inside, the gourmet kitchen shines with double ovens, a large walk-in pantry, and expansive counter space--ideal for both everyday living and entertaining. Rich two-toned paint, natural tile flooring, and plantation shutters throughout add warmth and sophistication to every room. Enjoy built-in surround sound throughout the entire home and backyard, setting the perfect ambiance whether you're hosting or relaxing. Step outside into your personal retreat: a brand-new PebbleTec pool, elegant travertine decking, and low-maintenance artificial pavers all set against breathtaking mountain views. The seamless indoor-outdoor sound system makes this backyard the ultimate space for entertaining under the desert sky. With flexible living spaces, luxurious finishes, and unforgettable views, this one-of-a-kind home is the perfect blend of comfort and elegance. Don't miss your opportunity to make it yours.

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 $47,837. 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
Bathrooms4
Square feet3,607
Property typeSingle Family
MLS #7063827
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)
$5,893/mo
Source est. payment (PITI)
$6,321/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$47,837

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

$0$47,837
Additional funds needed$0

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