Properties / 1810 S HERITAGE
FHA ASSUMABLERate: 6.39%

1810 S HERITAGE

$569,000
Mesa, AZ 85210
4 beds2 baths2,156 sqftSingle Family
The assumable advantage
6.39%
FHA assumed rate
$106,153 interest already paid off
Estimated Loan Balance$514,218
Cash to close$54,782
Est. Monthly PITI$3,889
Initial Loan Amount$534,340
Time on site7 days
Remaining Term26 years, 10 months
Seller's equity (what you pay)
$54,782
Cash or secondary financing
Monthly savings
$13
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

NO HOA, PREPAID SOLAR & A BACKYARD MADE FOR ARIZONA LIVING! This beautifully updated Mesa home combines custom craftsmanship, thoughtful improvements and an outdoor space that truly sets it apart. Inside, tile flooring throughout makes for easy maintenance, while the remodeled kitchen showcases custom maple cabinetry crafted by a master carpenter with walnut inlay, soft-close hinges, built-in drawer dividers, extra lower-cabinet storage and granite countertops. Custom closet systems provide additional organized storage throughout the home. Step outside to your own private backyard retreat. The pool, added in 2022, features dual deck-jet water features and a color-changing LED pool light for evening enjoyment. An expansive covered patio provides plenty of shaded outdoor living space, whi the built-in gazebo/ramada, complete with electricity creates the perfect setting for entertaining, dining outdoors or relaxing by the pool. Artificial turf completes the look for easy-care Arizona living. Major improvements include a new roof (2023), Krasiva dual-pane windows (2022), A/C (2021), artificial turf (2021) and water heater (2019). Additional features include a prepaid solar lease, upgraded insulation and duct sealing for improved energy efficiency, an extended-length garage with built-in cabinetry, wood blinds and plumbing ready for a water softener. And there's NO HOA! Conveniently located in central Mesa with easy access to shopping, dining, Mesa Community College, Banner Desert Medical Center, US-60 and Loop 101. With its custom interior details, extensive improvements, solar, pool and exceptional outdoor living spaces, this is a home that would be difficult to recreate at this price point.

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 $54,782. 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
Bathrooms2
Square feet2,156
Property typeSingle Family
MLS #7075940
CountyMaricopa County
Assumable loanFHA
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Investor?
FHA is primary-residence only. But Jeff has VA assumables in the same area.
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)
$3,343/mo
Source est. payment (PITI)
$3,889/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$54,782

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

$0$54,782
Additional funds needed$0

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