Properties / 2705 E Ames Avenue
VA ASSUMABLERate: 6.56%

2705 E Ames Avenue

$260,000
Kingman, AZ 86409
3 beds2 baths1,251 sqftSingle Family
The assumable advantage
6.56%
VA assumed rate
$16,070 interest already paid off
Estimated Loan Balance$244,635
Cash to close$16,287
Est. Monthly PITI$1,792
Initial Loan Amount$246,200
Time on site36 days
Remaining Term29 years
Seller's equity (what you pay)
$15,365
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

Built in 2024, this stunning 3 bedroom, 2 bathroom home combines modern style with comfort and functionality. Step inside to an inviting open floor plan featuring soaring 9-foot ceilings and a spacious living area designed for entertaining and everyday living. The beautifully designed kitchen is the heart of the home with an impressive 8-foot island, gorgeous granite countertops, pantry, and abundant cabinet space. The spacious primary suite offers the perfect private retreat with plenty of room to relax and recharge. Enjoy Arizona living year-round under the oversized covered back patio overlooking the fully fenced backyard. With RV parking, an 8-foot garage door, and a spacious 2-car garage, there is plenty of room for all your vehicles, toys, and storage needs. This move-in ready home offers the perfect blend of modern upgrades, thoughtful design, and everyday convenience.

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 $15,365. 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

Bedrooms3
Bathrooms2
Square feet1,251
Property typeSingle Family
MLS #039007
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)
$1,573/mo
Source est. payment (PITI)
$1,792/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$15,365

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

$0$15,365
Additional funds needed$0

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