Properties / 45677 W WINDMILL Drive
FHA ASSUMABLERate: 4.17%

45677 W WINDMILL Drive

$280,000
Maricopa, AZ 85139
4 beds3 baths2,192 sqftSingle Family
The assumable advantage
4.17%
FHA assumed rate
$67,435 interest already paid off
Estimated Loan Balance$362,751
Cash to close$0
Est. Monthly PITI$2,483
Initial Loan Amount$387,845
Time on site50 days
Remaining Term25 years, 9 months
Seller's equity (what you pay)
$0
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

Bank-Approved Short Sale! Opportunity awaits at 45677 W Windmill Dr, located in a desirable Maricopa community called Maricopa Meadows. This home offers a functional, open layout with vaulted ceilings and a kitchen that flows seamlessly into the main living area, featuring brand new flooring, quartz countertops, and appliances to convey. A bedroom on the first level with a full bath provides flexibility for guests or multigenerational living. Additional bedrooms are generously sized, and the backyard offers space to relax, entertain, or personalize. The home needs repairs and is being sold as-is, making it a strong opportunity for buyers or investors seeking value. Conveniently located near parks, schools, shopping, dining, and major commuter routes.

How assumption works for this home

Can I assume this FHA loan?

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.

How much cash do I actually need?

You need to cover the seller's equity of $0. If you don't have that in cash, we can help structure secondary financing to cover the gap.

Can investors assume this one?

No — FHA loans require owner-occupancy. If you're an investor, ask us about our VA inventory.

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 feet2,192
Property typeSingle Family
MLS #6975179
CountyMaricopa County
Assumable loanFHA
Tour this home
In person or virtual.
Prefer virtual tour?
Free · No commitment · Typical reply in 15 min
Investor?
FHA is primary-residence only. But Jeff has VA assumables in the same area.
Jeff Salazar
Active now · (602) 332-3860
Call

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)
$1,917/mo
Source est. payment (PITI)
$2,483/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

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

Confirm the current loan balance and equity requirement with an agent before estimating cash needed.