Properties / 18371 W HAYDEN Drive
FHA ASSUMABLERate: 6.27%

18371 W HAYDEN Drive

$429,900
Surprise, AZ 85374
4 beds3 baths2,724 sqftSingle Family
The assumable advantage
6.27%
FHA assumed rate
$73,464 interest already paid off
Estimated Loan Balance$328,331
Cash to close$102,359
Est. Monthly PITI$2,532
Initial Loan Amount$341,875
Time on site50 days
Remaining Term26 years, 7 months
Seller's equity (what you pay)
$101,569
Cash or secondary financing
Monthly savings
$418
Versus today's market rate
Est. savings per year
$5K
Versus today's market rate

About this home

Welcome to this spacious 2,724 sq. ft. 2-story home featuring 4 bedrooms,3 full baths,9.5 ft ceilings on the main level. Downstairs multi-purpose room w/closet and adjacent full bath offers flexibility for guests, multi-generational living, or a potential 5th bedroom. Upstairs loft is perfect for an office, media room, or gaming space. Open kitchen features granite countertops, ample cabinet space, island/breakfast bar, ALL APPLIANCES are INCLUDED. Formal living and dining areas provide additional entertaining space. Primary suite offers dual sinks and generous closet space. Large backyard with covered patio, newly painted exterior, 2-car garage features a dedicated MINI-SPLIT System, creating a comfortable, climate-controlled space ideal for a workshop, home gym, hobbies, or added storage

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 $101,569. 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
Bathrooms3
Square feet2,724
Property typeSingle Family
MLS #7039897
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)
$2,117/mo
Source est. payment (PITI)
$2,532/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$101,569

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

$0$101,569
Additional funds needed$0

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