Properties / 6804 W WINSTON Drive
VA ASSUMABLERate: 7.76%

6804 W WINSTON Drive

$599,900
Laveen, AZ 85339
6 beds5 baths3,011 sqftSingle Family
The assumable advantage
7.76%
VA assumed rate
$102,006 interest already paid off
Estimated Loan Balance$460,072
Cash to close$142,229
Est. Monthly PITI$3,821
Initial Loan Amount$469,800
Time on site50 days
Remaining Term27 years, 2 months
Seller's equity (what you pay)
$139,828
Cash or secondary financing
Monthly savings
$148
Versus today's market rate
Est. savings per year
$2K
Versus today's market rate

About this home

Welcome to this stunning 6 bed + loft / 5 bath Pulte home built in 2023 in the gated community of McClellan Ranch. Offering the feel of new construction without the wait, this move-in-ready home features high-end finishes, thoughtful upgrades, and a modern, neutral palette designed to impress from the moment you walk in. The front yard features low-maintenance artificial turf, enhancing curb appeal while keeping upkeep simple. Step inside to soaring two-story ceilings, expansive open-concept living spaces, and abundant natural light. The great room flows seamlessly into the chef's kitchen, creating the perfect setup for entertaining. The kitchen features granite countertops, a large center island with breakfast bar seating, designer tile backsplash, a gas cooktop with hood, stainless steel appliances, and a walk-in pantry. Throughout the home, you'll find luxury vinyl plank flooring, tile, and plush carpet in the right places, along with designer lighting and ceiling fans that elevate both style and comfort. The spacious downstairs primary suite offers a true retreat with dual vanities, a walk-in shower with bench seating and dual showerheads, including a rainfall feature, a private toilet room, and a generous walk-in closet. Two additional bedrooms are conveniently located on the main level. Upstairs, a versatile loft provides a flexible living space ideal for a media room, home office, or game room. Three additional bedrooms complete the second level, including one with its own ensuite bath. The backyard is designed for Arizona living and entertaining, featuring a covered patio, custom gazebo, fire pit, pavered seating areas, a grass lawn, and accent lighting that creates an inviting atmosphere for entertaining guests at night. Additional highlights include a downstairs laundry room with extensive cabinetry, a tankless water heater, a water softener, and a 2-car garage with overhead storage racks. Located in the gated community of McClellan Ranch, residents enjoy a quieter lifestyle in the South Mountain corridor, with convenient access to hiking and biking trails, scenic desert landscapes, and quick connectivity to Downtown Phoenix, Sky Harbor Airport, and major freeways. This is the perfect blend of newer construction, privacy, and accessibility, making this one of Laveen's most desirable communities.

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 $139,828. 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

Bedrooms6
Bathrooms5
Square feet3,011
Property typeSingle Family
MLS #7003850
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)
$3,390/mo
Source est. payment (PITI)
$3,821/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$139,828

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

$0$139,828
Additional funds needed$0

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