Properties / 25730 W St Catherine Avenue
VA ASSUMABLERate: 4.23%

25730 W St Catherine Avenue

$325,000
Buckeye, AZ 85326
3 beds2 baths1,574 sqftSingle Family
The assumable advantage
4.23%
VA assumed rate
$111,833 interest already paid off
Estimated Loan Balance$128,518
Cash to close$197,548
Est. Monthly PITI$1,237
Initial Loan Amount$200,766
Time on site47 days
Remaining Term14 years, 4 months
Seller's equity (what you pay)
$196,482
Cash or secondary financing
Monthly savings
$919
Versus today's market rate
Est. savings per year
$11K
Versus today's market rate

About this home

Move-in ready & beautifully maintained, this charming home offers 3 bedrooms, 2 bathrooms, and a functional split floor plan. The open-concept layout includes a separate den/flex room, perfect for a home office, playroom, or additional living space. The kitchen features a breakfast bar, pantry, and ample cabinetry, ideal for everyday living and entertaining. Enjoy fresh neutral interior and exterior paint, brand-new carpet throughout, and new SS appliances will be installed at closing. New HVAC system and hot water heater, both replaced in 2024. Outside, the backyard offers plenty of space to relax or entertain. Easy commuting via the I-10 and Watson Road interchange toward Goodyear, Avondale, and Phoenix.

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 $196,482. 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

Bedrooms3
Bathrooms2
Square feet1,574
Property typeSingle Family
MLS #7041597
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)
$998/mo
Source est. payment (PITI)
$1,237/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$196,482

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

$0$196,482
Additional funds needed$0

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