Properties / 10210 N 97TH Drive
VA ASSUMABLERate: 3.47%

10210 N 97TH Drive

$217,500
Peoria, AZ 85345
2 beds2 baths1,025 sqftSingle Family
The assumable advantage
3.47%
VA assumed rate
$25,957 interest already paid off
Estimated Loan Balance$109,128
Cash to close$109,344
Est. Monthly PITI$744
Initial Loan Amount$124,645
Time on site50 days
Remaining Term23 years, 8 months
Seller's equity (what you pay)
$108,372
Cash or secondary financing
Monthly savings
$719
Versus today's market rate
Est. savings per year
$9K
Versus today's market rate

About this home

NEW Roof and garage door 2026. Newer attic insulation, flooring, windows, AC. VACANT! Discover this lovely 2-bedroom home in the welcoming adult community of Sun Air Estates! Inside, you'll be greeted in a spacious living room perfect for entertaining, showcasing wood-look flooring, ample natural light, and neutral paint. The galley-style kitchen boasts plentiful storage cabinetry, and built-in appliances to make home cooking a breeze! The serene main bedroom promises a good night's sleep, offering a walk-in closet for easy organization and a bathroom for added comfort. The backyard features a covered patio perfect for morning coffee and weekend grills, and plenty of space for outdoor activities. Take advantage of the community's amenities, including the pool! Make this gem yours now!

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 $108,372. 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

Bedrooms2
Bathrooms2
Square feet1,025
Property typeSingle Family
MLS #7026467
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)
$564/mo
Source est. payment (PITI)
$744/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$108,372

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

$0$108,372
Additional funds needed$0

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