Properties / 4277 Fire Thorn Avenue
VA ASSUMABLERate: 6.67%

4277 Fire Thorn Avenue

$675,000
Kingman, AZ 86401
4 beds3 baths2,659 sqftSingle Family
The assumable advantage
6.67%
VA assumed rate
$36,159 interest already paid off
Estimated Loan Balance$498,129
Cash to close$176,871
Est. Monthly PITI$3,513
Initial Loan Amount$503,106
Time on site8 days
Remaining Term29 years
Seller's equity (what you pay)
$176,871
Cash or secondary financing
Monthly savings
$742
Versus today's market rate
Est. savings per year
$9K
Versus today's market rate

About this home

This semi custom Four bedroom, three-bathroom home with a dedicated office and separate flex/entertainment room, on an oversized lot with mountain views. Ceramic tile flooring runs throughout the entire home except the flex room. The open concept living with kitchen featuring beautiful quartz countertops, added cabinet space, tile backsplash, an over-range hood, gas cooktop, a custom coffee bar, and a DOUBLE oven with air fryer and convection settings. Additional outlets have been added in the pantry for the additional odd and ends counter top appliances and also additional plugs living room floor. The living room offers open concept for entertaining and fireplace. The convenient split-bathroom layout for guests with granite counter tops. The primary suite has private access out back and plenty of natural lighting, the bathroom offers split double sinks, a soaking tub, and a separate walk-in shower in the primary suite. Separate laundry room with cabinets, counter tops and sink. A dedicated 30-amp RV breaker with dump connection. Three-car garage plenty of room to work on all the toys.

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 $176,871. 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

Bedrooms4
Bathrooms3
Square feet2,659
Property typeSingle Family
MLS #041732
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)
$3,239/mo
Source est. payment (PITI)
$3,513/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$176,871

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

$0$176,871
Additional funds needed$0

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