One of the most affordable homes Flagstaff has to offer! Sitting on a quiet cul-de-sac in Railroad Springs, this 3-bedroom, 2-bath single-level at 1,094 sf sits under mature ponderosa pines with a fully fenced backyard, covered pergola, and patio. Pride of ownership shows in recent updates: new roof 2021, dual-pane privacy windows throughout 2025, and furnace 2022. Both bathrooms renovated in 2025 with new showers, tubs, and enclosures. The kitchen shines after its full 2016 remodel, plus a new oven and dishwasher were added in 2026. Two sheds, a water filtration system, and updated laundry appliances round out a home that has been genuinely cared for. Exterior painted 2025. Close to the neighborhood park, Observatory Mesa's trails, I-40, and downtown Flagstaff. FHA and VA eligible.
Yes, as long as you meet the lender's credit (620+) and DTI requirements. FHA assumptions require you to use the home as your primary residence.
You need to cover the seller's equity of $329,631. If you don't have that in cash, we can help structure secondary financing to cover the gap.
No — FHA loans require owner-occupancy. If you're an investor, ask us about our VA inventory.
Typically 45 days. The lender underwriting is 2–3 weeks, and the rest is standard closing.
Cash covers the gap between the price and the existing loan balance. Changing this amount does not change the existing mortgage payment.
P&I is principal and interest. PITI also includes estimated taxes and insurance. HOA fees and payments on any additional financing are separate.
Asking price minus remaining loan balance. Closing costs are additional.
The equity gap is covered. Closing costs and assumption fees still need to be confirmed.