Properties / 19045 W SHEFFER Avenue
FHA ASSUMABLERate: 6.9%

19045 W SHEFFER Avenue

$455,000
Buckeye, AZ 85326
4 beds3 baths2,431 sqftSingle Family
The assumable advantage
6.9%
FHA assumed rate
$89,404 interest already paid off
Estimated Loan Balance$413,744
Cash to close$42,126
Est. Monthly PITI$3,377
Initial Loan Amount$427,110
Time on site50 days
Remaining Term26 years, 11 months
Seller's equity (what you pay)
$41,256
Cash or secondary financing
Monthly savings
$0
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

Finding a single-story home with over 2,400 square feet at this price point is becoming increasingly difficult. Here's your opportunity. This beautifully maintained, move-in-ready home combines an open-concept floor plan, modern finishes, and exceptional value, making it one of the best opportunities on the market. From the moment you step inside, you'll appreciate the expansive great room, abundant natural light, elegant wood-look tile flooring, custom accent walls, recessed lighting, and a neutral color palette that complements any style. The spacious kitchen serves as the heart of the home, complete with quartz countertops, stainless steel appliances, an oversized center island, abundant cabinetry, and a walk-in pantry--perfect for entertaining or everyday living. The split floor plan offers privacy, while the spacious primary suite features a large walk-in closet and an ensuite bath designed for comfort. Generously sized secondary bedrooms provide flexibility for guests, a home office, or growing families. Step outside to a covered patio and low-maintenance backyard with plenty of space to personalize and create your ideal outdoor retreat. If you've been searching for a spacious single-story home that delivers modern finishes, functional living spaces, and outstanding value, this is one you won't want to miss.

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 $41,256. 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

Bedrooms4
Bathrooms3
Square feet2,431
Property typeSingle Family
MLS #7056658
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)
$2,822/mo
Source est. payment (PITI)
$3,377/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$41,256

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

$0$41,256
Additional funds needed$0

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