Properties / 2220 S 382ND Avenue
VA ASSUMABLERate: 2.74%

2220 S 382ND Avenue

$370,000
Tonopah, AZ 85354
3 beds2 baths2,112 sqftSingle Family
The assumable advantage
2.74%
VA assumed rate
$23,292 interest already paid off
Estimated Loan Balance$148,445
Cash to close$223,272
Est. Monthly PITI$930
Initial Loan Amount$167,000
Time on site50 days
Remaining Term24 years, 8 months
Seller's equity (what you pay)
$221,555
Cash or secondary financing
Monthly savings
$1,492
Versus today's market rate
Est. savings per year
$18K
Versus today's market rate

About this home

Experience the freedom of rural Arizona living on 5.68 fully subdividable, usable acres with panoramic views and no development directly behind you. This 3-bedroom, 2-bath home offers a private well, solar system, and plenty of room for horses, livestock, RV parking, workshops, gardens, or future expansion. The acreage may offer division potential, creating additional opportunities for investment or multi-generational living. Enjoy peaceful mornings, incredible sunsets, and direct access to the wide-open spaces that make Tonopah one of Arizona's fastest-growing rural markets. A rare opportunity to own a versatile property combining privacy, independence, and long-term potential. Discover the perfect blend of independence, space, and natural beauty with this unique rural property set on 5.68 acres of usable land. This manufactured home offers a rare opportunity to enjoy peaceful country living while still having the flexibility to expand, invest, or create your ideal homestead. Positioned against a stunning, state-protected mountain range, the property delivers breathtaking, unobstructed views and the kind of privacy that's becoming increasingly hard to find. With no future development behind you, your scenic backdrop is preserved for years to come. Designed for self-sufficiency, the home is equipped with a private well and solar power system, helping reduce utility costs while supporting a more sustainable lifestyle. Whether you're looking to live off the land or simply enjoy lower overhead, this property offers both comfort and practicality. The acreage is fully usable and divisible, opening the door to a variety of possibilities--build additional homes, create income-producing parcels, or design a multi-generational living setup. With ample space for gardening, farming, livestock, or recreational use, this property is ideal for those seeking room to grow, both literally and figuratively. Enjoy quiet mornings, expansive skies, and the freedom to live life on your terms--all while being surrounded by the natural beauty of the desert landscape. Highlights: 5.68 acres of usable, divisible land Manufactured home with endless potential Private well and solar system for efficiency and independence Backs to protected mountain range with panoramic views Ideal for animals, agriculture, or expansion Peaceful, private setting with room to create your vision This is more than just a home--it's an opportunity to build the lifestyle you've been looking for.

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 $221,555. 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 feet2,112
Property typeSingle Family
MLS #7003378
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)
$690/mo
Source est. payment (PITI)
$930/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$221,555

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

$0$221,555
Additional funds needed$0

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