Properties / 14076 N 138TH Lane
FHA ASSUMABLERate: 3.47%

14076 N 138TH Lane

$465,900
Surprise, AZ 85379
3 beds2 baths1,921 sqftSingle Family
The assumable advantage
3.47%
FHA assumed rate
$13,408 interest already paid off
Estimated Loan Balance$35,110
Cash to close$430,985
Est. Monthly PITI$517
Initial Loan Amount$44,504
Time on site45 days
Remaining Term20 years, 5 months
Seller's equity (what you pay)
$430,790
Cash or secondary financing
Monthly savings
$2,548
Versus today's market rate
Est. savings per year
$31K
Versus today's market rate

About this home

Tucked away on an oversized 10,452 sq. ft. lot, this beautifully updated home offers the perfect blend of modern style and outdoor living. Inside, you'll find a remodeled kitchen, an oversized island and an open concept layout designed for everyday living and entertaining. The spacious primary suite features a spa inspired bathroom, while the backyard steals the show with lush grass, mature shade trees, a sparkling pool, and plenty of room to relax or entertain. Complete with a dedicated office/flex room and an epoxy garage with built-in storage, this home truly has it all.

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 $430,790. 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

Bedrooms3
Bathrooms2
Square feet1,921
Property typeSingle Family
MLS #7059297
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)
$200/mo
Source est. payment (PITI)
$517/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$430,790

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

$0$430,790
Additional funds needed$0

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