Properties / 14031 W PERSHING Street
VA ASSUMABLERate: 2.38%

14031 W PERSHING Street

$515,000
Surprise, AZ 85379
5 beds3 baths2,575 sqftSingle Family
The assumable advantage
2.38%
VA assumed rate
$53,650 interest already paid off
Estimated Loan Balance$363,910
Cash to close$151,090
Est. Monthly PITI$2,039
Initial Loan Amount$421,440
Time on site11 days
Remaining Term24 years, 4 months
Seller's equity (what you pay)
$151,090
Cash or secondary financing
Monthly savings
$1,394
Versus today's market rate
Est. savings per year
$17K
Versus today's market rate

About this home

Assumable VA loan at an exceptional 2.375% interest rate--a rare opportunity for qualified buyers to secure significant financing savings. Beautiful 5-bedroom, 3-bathroom home situated on a premium corner lot in the highly desirable Marley Park community. This spacious home features numerous upgrades, including a gourmet kitchen with granite countertops, tiled backsplash, and abundant cabinetry. Fresh interior paint and new carpet create a move-in-ready feel throughout. The oversized primary suite offers a luxurious bathroom with a huge, elegant walk-in shower. Step outside to the expansive backyard, offering endless possibilities for entertaining, relaxing, or creating your own dream outdoor space.

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 $151,090. 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
Bathrooms3
Square feet2,575
Property typeSingle Family
MLS #7064784
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)
$1,643/mo
Source est. payment (PITI)
$2,039/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$151,090

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

$0$151,090
Additional funds needed$0

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