Properties / 5107 E 14TH Avenue
VA ASSUMABLERate: 3.45%

5107 E 14TH Avenue

$1,245,000
Apache Junction, AZ 85119
4 beds3 baths3,516 sqftSingle Family
The assumable advantage
3.45%
VA assumed rate
$88,138 interest already paid off
Estimated Loan Balance$547,693
Cash to close$703,811
Est. Monthly PITI$3,303
Initial Loan Amount$594,000
Time on site50 days
Remaining Term25 years, 7 months
Seller's equity (what you pay)
$697,307
Cash or secondary financing
Monthly savings
$4,654
Versus today's market rate
Est. savings per year
$56K
Versus today's market rate

About this home

2.25% Assumable Loan* Set at the base of the Superstition Mountains, this stunning custom home is perfect for multigenerational living. The split floor plan offers 4 bedrooms and 3 baths, including a private suite with its own living area, bedroom, and bath that is ideal for family or guests. The primary suite is a serene retreat with a large bathroom and generous closet spaces. The upgraded kitchen flows into a spacious living room, with panoramic glass doors opening to an extended patio and heated pool/spa with breathtaking mountain views! This home is made for entertaining! Two RV gates provide easy access to landscaped back yard. The property allows for up to 1,800 sqft of additional build potential, giving buyers endless possibilities to create the space they imagine! Home features a premium solar energy package designed for efficiency and long-term savings. System includes high-performance panels professionally installed to maximize production and reduce monthly utility costs. SolarEdge App is available to view reports. Existing solar loan to be satisfied by seller at closing contingent upon acceptable purchase terms. LOCATION, LOCATION, LOCATION! Within minutes of the highway, beautiful hiking trails off of Superstition Mountain, championship golf, the Salt River and lakes, and just 35 miles from Phoenix International Airport. Move-in ready! This is a residence defined by intentional upgrades. Not just aesthetic, but structural, mechanical, and experiential. From the enlarged outdoor living spaces to the spa-level baths and zoned climate control, every enhancement reflects a commitment to elevated design and enduring quality.

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 $697,307. 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 feet3,516
Property typeSingle Family
MLS #6989841
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)
$2,688/mo
Source est. payment (PITI)
$3,303/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$697,307

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

$0$697,307
Additional funds needed$0

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