Properties / 1546 W ALDER Road
VA ASSUMABLERate: 6.99%

1546 W ALDER Road

$449,999
San Tan Valley, AZ 85140
4 beds3 baths2,261 sqftSingle Family
The assumable advantage
6.99%
VA assumed rate
$66,134 interest already paid off
Estimated Loan Balance$418,269
Cash to close$34,508
Est. Monthly PITI$3,164
Initial Loan Amount$425,265
Time on site50 days
Remaining Term27 years, 9 months
Seller's equity (what you pay)
$31,730
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

You're going to LOVE this home in Ironwood Crossing! With 4 large bedrooms, 3 full baths, & 2,261 square feet, this flexible floor plan checks all the boxes. The downstairs bedroom & full bath make the perfect setup for guests, multi-gen living, or a private office. The wide-open great room flows beautifully into the spacious kitchen featuring granite countertops, clean stainless & black appliances, and plenty of room to gather. Wood-look flooring throughout the entire downstairs adds warmth and style, while upstairs you'll find a versatile loft/flex space plus a convenient laundry room right where you need it. Fresh interior paint, new carpet & low-maintenance landscaping mean less work & more enjoying. And the location? Community pool & parks just down the street, with quick access to the 24 nearby - making commuting a breeze. Close to shopping, dining and more! This one offers space, flexibility, and lifestyle all in one beautiful package. Don't miss it!

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 $31,730. 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

Bedrooms4
Bathrooms3
Square feet2,261
Property typeSingle Family
MLS #6991234
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)
$2,848/mo
Source est. payment (PITI)
$3,164/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$31,730

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

$0$31,730
Additional funds needed$0

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