Properties / 4872 N Trails End Drive
FHA ASSUMABLERate: 5.41%

4872 N Trails End Drive

$525,000
Pine, AZ 85544
3 beds1 baths1,207 sqftSingle Family
The assumable advantage
5.41%
FHA assumed rate
$90,029 interest already paid off
Estimated Loan Balance$407,205
Cash to close$121,256
Est. Monthly PITI$3,072
Initial Loan Amount$428,041
Time on site50 days
Remaining Term26 years, 1 month
Seller's equity (what you pay)
$117,795
Cash or secondary financing
Monthly savings
$666
Versus today's market rate
Est. savings per year
$8K
Versus today's market rate

About this home

This unique A-Frame cabin brings all the mountain charm and amenities you are looking for! Set on nearly half an acre with views of the Mogollon Rim, the inviting floor plan of this cabin features a spacious main-level bedroom with patio access and two generous loft-style sleeping areas upstairs. Added bonus! This property is listed under previous appraisal value AND sellers are offering $10,000 in concessions, giving you the opportunity to personalize and make this cabin a special get-away for years to come. Inside, you'll love the warm t&g wood accents, cozy fireplace, and well-appointed kitchen featuring a 5-burner Wolf range & breakfast bar. Outside, enjoy expansive composite decking w/covered awning, fire pit, multiple sheds & outbuildings, ample level parking, and newer roo

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 $117,795. 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

Bedrooms3
Bathrooms1
Square feet1,207
Property typeSingle Family
MLS #6990182
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)
$2,430/mo
Source est. payment (PITI)
$3,072/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$117,795

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

$0$117,795
Additional funds needed$0

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