Properties / 3437 E DALEY Lane
VA ASSUMABLERate: 2.83%

3437 E DALEY Lane

$1,225,000
Phoenix, AZ 85050
4 beds3 baths2,457 sqftSingle Family
The assumable advantage
2.83%
VA assumed rate
$101,109 interest already paid off
Estimated Loan Balance$586,314
Cash to close$637,298
Est. Monthly PITI$3,315
Initial Loan Amount$672,426
Time on site0 days
Remaining Term24 years, 5 months
Seller's equity (what you pay)
$638,686
Cash or secondary financing
Monthly savings
$4,450
Versus today's market rate
Est. savings per year
$53K
Versus today's market rate

About this home

Welcome to luxury desert living in the highly coveted Sky Crossing community of North Phoenix. Built in 2021 by premier builder Taylor Morrison, this stunning single-story residence seamlessly combines modern elegance with thoughtful, high-end design throughout. From the moment you arrive, the impressive curb appeal sets the stage, featuring an extensive paver driveway and beautifully curated desert landscaping. Inside, the light-filled, open-concept floor plan encompasses four spacious bedrooms, three full bathrooms, and a dedicated private office, offering the ideal balance of everyday functionality and sophisticated design. At the heart of the home lies an expansive great room anchored by custom cabinetry, creating an inviting space for effortless entertaining and relaxing evenings. The chef-inspired kitchen stands as a true focal point, fully equipped with premium GE Café double ovens, a 36-inch gas cooktop with a sleek stainless steel hood, and a GE Profile counter-depth refrigerator and microwave. Upgraded soft-close white cabinetry with roll-out shelving pairs beautifully with leathered soft-gray granite countertops, a modern tile backsplash, and designer pendant lighting. Elegant plantation shutters and modern ceiling fans elevate the interior aesthetic across every room. Step through to your private outdoor retreat, custom-built for year-round Arizona living. The backyard showcases a spacious covered patio, low-maintenance lush turf, and a sparkling, heated resort-style pool with a Pentair heat pump and tranquil water features--the perfect vantage point to unwind and take in breathtaking desert sunsets. Practical luxury continues with high-grade infrastructure in the garage, including an owned whole-home filtration system, Crystal Tech water softener, tankless gas water heater, custom storage, and a built-in EV charging outlet, alongside a dedicated laundry room outfitted with an LG Smart washer and dryer set. Living in Sky Crossing provides access to unmatched resort amenities, including a state-of-the-art fitness center, a community clubhouse with billiards and foosball, resort-style pools, basketball courts, playgrounds, and an active calendar of neighborhood events. Positioned just moments from the world-class shopping, dining, and entertainment at Desert Ridge Marketplace, as well as quick access to major freeways, this home delivers the ultimate Phoenix lifestyle.

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 $638,686. 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 feet2,457
Property typeSingle Family
MLS #7079814
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)
$2,774/mo
Source est. payment (PITI)
$3,315/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$638,686

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

$0$638,686
Additional funds needed$0

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