Properties / 12615 N 49TH Avenue
VA ASSUMABLERate: 6.5%

12615 N 49TH Avenue

$533,500
Glendale, AZ 85304
3 beds2 baths1,644 sqftSingle Family
The assumable advantage
6.5%
VA assumed rate
$27,576 interest already paid off
Estimated Loan Balance$461,522
Cash to close$72,417
Est. Monthly PITI$3,248
Initial Loan Amount$464,949
Time on site31 days
Remaining Term29 years, 2 months
Seller's equity (what you pay)
$71,978
Cash or secondary financing
Monthly savings
$202
Versus today's market rate
Est. savings per year
$2K
Versus today's market rate

About this home

Fall in love with this charming 3-bed, 2-bath single-level residence with a POOL in Glendale! Featuring a low-care landscape, RV gate, and a 2-car garage. The interior boasts vaulted ceilings, abundant natural light, a neutral palette, and mixed flooring - tile/wood-look/carpet throughout. Excellent floor plan showcasing a formal dining room, separate living room, and an open-concept family room with a fireplace & French sliding doors to the back! The modern kitchen is equipped with recessed lighting, a pantry, white shaker cabinets, quartz countertops, stainless steel appliances, and a peninsula with breakfast bar. The large primary bedroom includes a double-door entry, walk-in closet, and a private bathroom with dual sinks & backyard access. Outside, your oversized backyard oasis awaits! Designed for ultimate relaxation and entertaining with a full-length covered patio, artificial turf, and a sparkling pool surrounded by extensive travertine decking. Conveniently located near shopping, dining, schools, and easy access to I-17 & Loop 101. Don't miss this gem!

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 $71,978. 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 feet1,644
Property typeSingle Family
MLS #7065044
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)
$2,944/mo
Source est. payment (PITI)
$3,248/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$71,978

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

$0$71,978
Additional funds needed$0

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