Properties / 19777 N 76TH Street
VA ASSUMABLERate: 2.77%

19777 N 76TH Street

$328,777
Scottsdale, AZ 85255
1 beds1 baths899 sqftSingle Family
The assumable advantage
2.77%
VA assumed rate
$25,401 interest already paid off
Estimated Loan Balance$155,358
Cash to close$175,579
Est. Monthly PITI$956
Initial Loan Amount$175,084
Time on site51 days
Remaining Term24 years, 6 months
Seller's equity (what you pay)
$173,419
Cash or secondary financing
Monthly savings
$1,211
Versus today's market rate
Est. savings per year
$15K
Versus today's market rate

About this home

Fully remodeled Grayhawk condo with resort-style amenities! This move-in-ready 1-bedroom, 1-bath home features upgraded flooring, granite countertops, stainless steel appliances, modern cabinetry, designer lighting, and a private balcony. Located in the prestigious Venu at Grayhawk, residents enjoy heated pools, spa, fitness center, theater room, concierge services, and beautifully maintained grounds. Just minutes from golf, dining, shopping, hiking trails, and Loop 101 access, this is the perfect full-time residence, lock-and-leave retreat, or investment opportunity in the heart of North Scottsdale.

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 $173,419. 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

Bedrooms1
Bathrooms1
Square feet899
Property typeSingle Family
MLS #7002287
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)
$728/mo
Source est. payment (PITI)
$956/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$173,419

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

$0$173,419
Additional funds needed$0

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