Properties / 18275 W CEDARWOOD Lane
VA ASSUMABLERate: 3.9%

18275 W CEDARWOOD Lane

$409,900
Goodyear, AZ 85338
2 beds2 baths1,695 sqftSingle Family
The assumable advantage
3.9%
VA assumed rate
$74,642 interest already paid off
Estimated Loan Balance$190,042
Cash to close$219,858
Est. Monthly PITI$1,444
Initial Loan Amount$233,252
Time on site9 days
Remaining Term21 years, 1 month
Seller's equity (what you pay)
$219,858
Cash or secondary financing
Monthly savings
$1,314
Versus today's market rate
Est. savings per year
$16K
Versus today's market rate

About this home

Welcome to this inviting single-story home, ideally situated on a quiet cul-de-sac and offering 2 bedrooms plus a versatile den, 2 bathrooms, and a 2-car garage. Impressive curb appeal begins with a grand stacked-stone covered entry and custom iron front door, setting the tone for the warm and welcoming interior. A neutral color palette complements the bright, open floor plan, where the great room flows seamlessly into the kitchen, creating an ideal setting for everyday living and entertaining. The kitchen features granite countertops, stainless steel appliances, a pantry, and a spacious center island with room for seating. The generously sized primary suite is filled with natural light from multiple windows and offers a private retreat with an ensuite bath featuring a dual-sink vanity... glass-enclosed shower, and spacious walk-in closet. The den provides flexible space for a home office, hobby room, or additional living area, while a dedicated laundry room with built-in cabinetry offers valuable storage. Step outside to enjoy the generous, fully fenced backyard with an extended covered patio and plenty of flat, private outdoor space for relaxing, entertaining, or creating your own backyard retreat. Enjoy the incredible amenities that Cantamia at Estrella offers including a clubhouse, fitness center, pool, restaurants and much more! With its desirable cul-de-sac location, thoughtful floor plan, and inviting indoor and outdoor living spaces and incredible community, this home offers an exceptional combination of comfort, privacy, functionality and convenience.

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 $219,858. 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 feet1,695
Property typeSingle Family
MLS #7074644
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)
$1,103/mo
Source est. payment (PITI)
$1,444/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$219,858

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

$0$219,858
Additional funds needed$0

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