Properties / 20438 W MAIDEN Lane
VA ASSUMABLERate: 6.27%

20438 W MAIDEN Lane

$620,000
Buckeye, AZ 85396
4 beds3 baths2,406 sqftSingle Family
The assumable advantage
6.27%
VA assumed rate
$114,320 interest already paid off
Estimated Loan Balance$524,344
Cash to close$98,160
Est. Monthly PITI$3,872
Initial Loan Amount$544,677
Time on site50 days
Remaining Term26 years, 7 months
Seller's equity (what you pay)
$95,656
Cash or secondary financing
Monthly savings
$275
Versus today's market rate
Est. savings per year
$3K
Versus today's market rate

About this home

This stunning corner lot gem awaits you in the sought-after Verrado! Fantastic curb appeal, featuring a beautifully manicured landscape, a cozy front porch, and a 3-car garage. Inside, you'll find bright and airy living spaces designed with comfort in mind, showcasing soft carpeting underfoot, tile in all the right places, contemporary lighting, and stylish neutral colors. The gourmet kitchen boasts crisp white cabinets, tile backsplash, sleek granite counters, stainless steel appliances, and an expansive island with a breakfast bar, perfect for entertaining. The serene main bedroom promises a good night's sleep, complete with a practical walk-in closet for easy organization and a bathroom with double sinks for convenience. The backyard hosts a covered patio ideal for morning coffee, a grass area, a seating space with well-laid pavers, and a gazebo, perfect for gatherings. Hurry up, this gem won't last!

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 $95,656. 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 feet2,406
Property typeSingle Family
MLS #7039845
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)
$3,381/mo
Source est. payment (PITI)
$3,872/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$95,656

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

$0$95,656
Additional funds needed$0

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