Properties / 30178 W FAIRMOUNT Avenue
FHA ASSUMABLERate: 6.18%

30178 W FAIRMOUNT Avenue

$450,000
Buckeye, AZ 85396
4 beds3 baths2,684 sqftSingle Family
The assumable advantage
6.18%
FHA assumed rate
$11,557 interest already paid off
Estimated Loan Balance$319,651
Cash to close$130,032
Est. Monthly PITI$2,427
Initial Loan Amount$321,530
Time on site0 days
Remaining Term29 years, 6 months
Seller's equity (what you pay)
$130,349
Cash or secondary financing
Monthly savings
$689
Versus today's market rate
Est. savings per year
$8K
Versus today's market rate

About this home

Spacious 4-bedroom plus den, 3-full-bath home situated on a rare 1/4-acre lot in Buckeye with no neighbors directly behind and beautiful views of the Sonoran Desert. The desirable split floor plan features 9-foot ceilings, an open kitchen with a large island and pantry, and an oversized laundry room. Additional features include solar panels, three separate temperature-control zones, and interior pre-wiring for built-in speakers. The expansive backyard offers plenty of usable space and an automatic retractable patio shade, creating the perfect setting to relax, entertain, and enjoy the desert views. With its rare lot size, added privacy, versatile floor plan, and thoughtful upgrades, this home is a standout.

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 $130,349. 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 feet2,684
Property typeSingle Family
MLS #7079662
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)
$1,965/mo
Source est. payment (PITI)
$2,427/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$130,349

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

$0$130,349
Additional funds needed$0

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