Properties / 20204 N WILFORD Avenue
VA ASSUMABLERate: 6.9%

20204 N WILFORD Avenue

$424,990
Maricopa, AZ 85138
4 beds3 baths3,093 sqftSingle Family
The assumable advantage
6.9%
VA assumed rate
$63,394 interest already paid off
Estimated Loan Balance$241,667
Cash to close$185,153
Est. Monthly PITI$2,096
Initial Loan Amount$250,000
Time on site50 days
Remaining Term26 years, 4 months
Seller's equity (what you pay)
$183,323
Cash or secondary financing
Monthly savings
$845
Versus today's market rate
Est. savings per year
$10K
Versus today's market rate

About this home

Huge cul-de-Sac lot with stunning mountain views and sunsets! This beautiful 2-story home offers a backyard that is your canvass to create your private oasis. With 3092 square feet of thoughtfully designed living space to fit the needs of your family, which includes 4 bedrooms, 2.5 bath, den, loft and bonus room. The kitchen has stainless steel appliances, a gas range, quartz countertops, custom backsplash, a kitchen island and a butler's pantry for ample storage. Sit out on the extended patio to start your mornings or to chill at the end of the day with the mountain views or just take in the beautiful Arizona Sunsets! This home is a gem and a must see!!!

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 $183,323. 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 feet3,093
Property typeSingle Family
MLS #6976050
CountyMaricopa County
Assumable loanVA
Tour this home
In person or virtual.
Prefer virtual tour?
Free · No commitment · Typical reply in 15 min
Investor?
This VA loan can be assumed and rented. Talk to Jeff about the ROI math.
Jeff Salazar
Active now · (602) 332-3860
Call

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)
$1,661/mo
Source est. payment (PITI)
$2,096/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$183,323

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

$0$183,323
Additional funds needed$0

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