Properties / 36390 W WHITTON Avenue
FHA ASSUMABLERate: 6.89%

36390 W WHITTON Avenue

$556,500
Tonopah, AZ 85354
4 beds4 baths2,248 sqftSingle Family
The assumable advantage
6.89%
FHA assumed rate
$26,778 interest already paid off
Estimated Loan Balance$331,524
Cash to close$224,976
Est. Monthly PITI$2,550
Initial Loan Amount$335,000
Time on site17 days
Remaining Term28 years, 11 months
Seller's equity (what you pay)
$224,976
Cash or secondary financing
Monthly savings
$1,076
Versus today's market rate
Est. savings per year
$13K
Versus today's market rate

About this home

Location, location, location! Exceptional custom new build offering luxury, space & style on 1.20 fully fenced acres with easy access from Indian School Rd. Completed & move-in ready with 4 bedrooms, 3.5 baths, a 3-car garage & private junior suite. The show-stopping kitchen features a massive island, double ovens & beautiful designer finishes, while the fireplace anchors the spacious great room. Unwind in the luxurious primary suite with a spa-inspired bath & oversized double shower. Quality craftsmanship and thoughtful details throughout. Ask about Ozmando Flex Funding! FHA, VA, Conventional & Cash buyers welcome.

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 $224,976. 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

Bedrooms4
Bathrooms4
Square feet2,248
Property typeSingle Family
MLS #7071037
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)
$2,206/mo
Source est. payment (PITI)
$2,550/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$224,976

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

$0$224,976
Additional funds needed$0

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