Properties / 4727 W OSBORN Road
FHA ASSUMABLERate: 6.82%

4727 W OSBORN Road

$320,000
Phoenix, AZ 85031
5 beds2 baths1,680 sqftSingle Family
The assumable advantage
6.82%
FHA assumed rate
$49,520 interest already paid off
Estimated Loan Balance$287,855
Cash to close$33,593
Est. Monthly PITI$2,314
Initial Loan Amount$294,261
Time on site47 days
Remaining Term27 years, 6 months
Seller's equity (what you pay)
$32,145
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

Updated, spacious, and priced to move--this West Phoenix home delivers the kind of interior space and backyard potential that's hard to find at this price point. Inside, the layout opens up with generous living and dining areas, wood-look tile flooring, and a remodeled kitchen designed to be the heart of the home. Grey shaker cabinetry, stone-look counters, stainless steel appliances, a large center island, and modern lighting give the space a clean, contemporary feel that works for both daily living and easy entertaining. The bathrooms have been refreshed with updated vanities and tile surrounds, while the oversized bonus/flex room adds valuable versatility for a second living area, game room, office, or guest setup. Out back, the covered patio and expansive yard offer room to relax, play, garden, or create the outdoor setup you've been wanting. Mature shade trees add character and comfort, and the lot gives you space to grow into. A solid opportunity for buyers looking for move-in-ready updates, functional space, and strong value in Phoenix.

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 $32,145. 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

Bedrooms5
Bathrooms2
Square feet1,680
Property typeSingle Family
MLS #7004036
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)
$1,934/mo
Source est. payment (PITI)
$2,314/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$32,145

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

$0$32,145
Additional funds needed$0

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