Properties / 4937 N 192ND Lane
VA ASSUMABLERate: 6.12%

4937 N 192ND Lane

$650,000
Litchfield Park, AZ 85340
5 beds5 baths3,131 sqftSingle Family
The assumable advantage
6.12%
VA assumed rate
$95,397 interest already paid off
Estimated Loan Balance$457,323
Cash to close$192,677
Est. Monthly PITI$3,343
Initial Loan Amount$477,303
Time on site7 days
Remaining Term26 years, 8 months
Seller's equity (what you pay)
$192,677
Cash or secondary financing
Monthly savings
$931
Versus today's market rate
Est. savings per year
$11K
Versus today's market rate

About this home

Largest lot in the subdivision with an incredible backyard retreat! This spacious 5-bedroom, 4.5-bath, 2-story home offers a thoughtful layout with 9+ ft ceilings, an upstairs loft, and a convenient downstairs en-suite bedroom and bath. The first level features upgraded tile flooring, while the kitchen is enhanced by a water softener and reverse osmosis system at the sink. A standout feature is the PAID-OFF solar system. Step outside to a fully landscaped, pie-shaped backyard featuring artificial turf, a gazebo, built-in BBQ, and an automated heated PebbleTec pool and spa. An RV gate and oversized garage provide plenty of parking and storage. A Vivint security system with multiple exterior cameras adds peace of mind to this impressive 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 $192,677. 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

Bedrooms5
Bathrooms5
Square feet3,131
Property typeSingle Family
MLS #7072895
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)
$2,902/mo
Source est. payment (PITI)
$3,343/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$192,677

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

$0$192,677
Additional funds needed$0

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