Properties / 7550 N 12TH Street
FHA ASSUMABLERate: 6.15%

7550 N 12TH Street

$159,000
Phoenix, AZ 85020
1 beds1 baths626 sqftSingle Family
The assumable advantage
6.15%
FHA assumed rate
$116,485 interest already paid off
Estimated Loan Balance$72,749
Cash to close$86,614
Est. Monthly PITI$1,000
Initial Loan Amount$120,920
Time on site30 days
Remaining Term11 years, 4 months
Seller's equity (what you pay)
$86,251
Cash or secondary financing
Monthly savings
$194
Versus today's market rate
Est. savings per year
$2K
Versus today's market rate

About this home

Why keep renting when homeownership can be yours? This beautifully refreshed 1-bedroom, 1-bath Phoenix condo offers an inviting entry into homeownership or an appealing investment opportunity. Enjoy new hickory-plank flooring, smooth ceilings, fresh paint, refinished cabinetry, stylish black and champagne fixtures, new ceiling fans, all-new stainless-steel appliances, and an in-unit stackable washer and dryer. Ideally located next to the canal and near Dreamy Draw Mountain Recreation Area, with easy access to the Biltmore, Uptown, dining, shopping and outdoor recreation. Move-in ready, thoughtfully updated and easy to maintain--an opportunity to own your own piece of Phoenix.

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 $86,251. 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

Bedrooms1
Bathrooms1
Square feet626
Property typeSingle Family
MLS #7065680
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)
$744/mo
Source est. payment (PITI)
$1,000/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$86,251

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

$0$86,251
Additional funds needed$0

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