Properties / 4252 E JOHN Street
VA ASSUMABLERate: 6.35%

4252 E JOHN Street

$645,000
Gilbert, AZ 85295
3 beds2 baths1,688 sqftSingle Family
The assumable advantage
6.35%
VA assumed rate
$71,966 interest already paid off
Estimated Loan Balance$585,330
Cash to close$59,670
Est. Monthly PITI$4,023
Initial Loan Amount$597,650
Time on site10 days
Remaining Term28 years, 2 months
Seller's equity (what you pay)
$59,670
Cash or secondary financing
Monthly savings
$81
Versus today's market rate
Est. savings per year
$1K
Versus today's market rate

About this home

Exceptional 3-bedroom, 2-bath residence showcasing designer finishes & thoughtful upgrades! From the moment you enter, attention to detail is unmistakable. Designer fixtures & ceiling fans complement the beautifully curated interior while the open-concept floor plan creates an effortless flow. The kitchen features oversized cabinetry, soft-close drawers, & a full-wall backsplash. A stunning custom pebble accent wall adds distinctive architectural appeal. 2-oversized atrium doors open to a backyard retreat with lush landscaping, low-maintenance turf, travertine flooring, & a built-in BBQ. Additional highlights include a whole-home water softener, laundry room with utility sink & a spacious primary suite with a large walk-in shower & dual vanity. Beautifully designed & truly move-in ready.

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 $59,670. 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

Bedrooms3
Bathrooms2
Square feet1,688
Property typeSingle Family
MLS #7073818
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)
$3,723/mo
Source est. payment (PITI)
$4,023/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$59,670

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

$0$59,670
Additional funds needed$0

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