Properties / 17200 W BELL Road
VA ASSUMABLERate: 3.07%

17200 W BELL Road

$295,000
Surprise, AZ 85374
beds baths sqftSingle Family
The assumable advantage
3.07%
VA assumed rate
$33,380 interest already paid off
Estimated Loan Balance$218,679
Cash to close$78,190
Est. Monthly PITI$1,240
Initial Loan Amount$240,900
Time on site50 days
Remaining Term25 years, 4 months
Seller's equity (what you pay)
$76,321
Cash or secondary financing
Monthly savings
$704
Versus today's market rate
Est. savings per year
$8K
Versus today's market rate

About this home

Happy Trails Lot 487 is home to an adorable 600sf, ''Site Built'' AZ Casita Home, a Full Height/Length Covered RV Port, with an Assumable VA Loan at 3.25%. This one of kind home is nestled up to a scenic, green belt wash area that provides privacy, and a quiet sanctuary in the back of the home. Upgrades throughout the property include privacy sun shades adding additional protection to your RV, Sturdy decks and porches, rear screened sun room and additional patio, climate controlled Shed/Workshop, Granite countertops, stainless appliances, wood floors, walk in shower, laundry room, 1 bedroom, separate living room and extra large kitchen and dining area. This RV Resort gem is move in ready and has all the comforts of home! The affordable HOA fee covers water, sewer, trash service and access to all amenities. Happy Trails Resort is a very lively 55+ Gated Community highlighted by Pickleball & Tennis Courts, Multiple Pools and Spas, Fitness Center, a Host of Craft Clubs, and Restaurant. Lots of Live Entertainment and tons of get-togethers mean there's never a dull moment. Come see what the Happy Trails Lifestyle is all about!

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 $76,321. 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

Property typeSingle Family
MLS #7017752
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)
$1,036/mo
Source est. payment (PITI)
$1,240/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$76,321

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

$0$76,321
Additional funds needed$0

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