Properties / 25502 N 164TH Avenue
VA ASSUMABLERate: 5.22%

25502 N 164TH Avenue

$545,000
Surprise, AZ 85387
5 beds4 baths3,021 sqftSingle Family
The assumable advantage
5.22%
VA assumed rate
$106,574 interest already paid off
Estimated Loan Balance$494,114
Cash to close$50,146
Est. Monthly PITI$3,207
Initial Loan Amount$525,658
Time on site0 days
Remaining Term26 years, 1 month
Seller's equity (what you pay)
$50,886
Cash or secondary financing
Monthly savings
$321
Versus today's market rate
Est. savings per year
$4K
Versus today's market rate

About this home

** $35,000 IN AFTER MARKET UPGRADES ** TWO MASTER BEDROOMS DOWNSTAIRS ** ASSUMABLE LOW FIXED 4.625% INTEREST RATE ** 5 BEDROOMS + DEN! ** Welcome home to the most desirable floor plan Pulte Homes offers - The Prato Model! Newly installed wood grain tile plank flooring welcomes you in to your North/South facing home with wide open living space with impressive luxurious vaulted ceilings! Massive floor to ceiling windows let in gorgeous natural lighting framed by custom made extended height window treatments. Both the primary en suite bedroom/bathroom and an additional private en suite bedroom/bathroom are hosted downstairs for optimal convenience, making it perfect for multi-generational living. There is a separate den and private bathroom downstairs for guests as well! Venture upstairs and you will find an additional bathroom loft/entertainment space and 3 additional bedrooms. The entire home is fit with model home style decor. The backyard is spacious and landscaped, ready for your back yard BBQs! This home sits hosts a prime lot location directly across from a neighborhood park. This community is filled with parks, walking paths, dining, shopping and entertainment!

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 $50,886. 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

Bedrooms5
Bathrooms4
Square feet3,021
Property typeSingle Family
MLS #7074826
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)
$2,893/mo
Source est. payment (PITI)
$3,207/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$50,886

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

$0$50,886
Additional funds needed$0

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