Properties / 13188 W DESERT FOREST Trail
VA ASSUMABLERate: 5.52%

13188 W DESERT FOREST Trail

$1,099,900
Peoria, AZ 85383
4 beds5 baths3,304 sqftSingle Family
The assumable advantage
5.52%
VA assumed rate
$131,495 interest already paid off
Estimated Loan Balance$570,827
Cash to close$533,869
Est. Monthly PITI$3,977
Initial Loan Amount$600,288
Time on site50 days
Remaining Term26 years
Seller's equity (what you pay)
$529,073
Cash or secondary financing
Monthly savings
$3,036
Versus today's market rate
Est. savings per year
$36K
Versus today's market rate

About this home

Multi-Generational Living - Luxury Desert Living in this 2023 David Weekley Sunnyslope model in Vistancia's Summit at Northpointe. This single-level 3,304 sq ft home on a 10,508 sq ft lot boasts stunning mountain and city light views. Stone-tile floors, 10-ft ceilings, gourmet kitchen with granite island, and a butler's pantry impress inside. The private guest suite with its own thermostat zone and accessibility features is ideal for multi-generational living, plus two additional en-suite bedrooms and a study. Outside, ~755 sq ft of travertine space, pergola, and KitchenAid outdoor kitchen shine. Smart home tech and 3-zone climate control complete this exceptional home near The Sovita Club.

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 $529,073. 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
Bathrooms5
Square feet3,304
Property typeSingle Family
MLS #6991854
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)
$3,450/mo
Source est. payment (PITI)
$3,977/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$529,073

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

$0$529,073
Additional funds needed$0

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