Properties / 19305 W VALLE VISTA Way
FHA ASSUMABLERate: 6.63%

19305 W VALLE VISTA Way

$589,000
Litchfield Park, AZ 85340
5 beds5 baths3,186 sqftSingle Family
The assumable advantage
6.63%
FHA assumed rate
$32,783 interest already paid off
Estimated Loan Balance$537,449
Cash to close$52,052
Est. Monthly PITI$4,162
Initial Loan Amount$541,844
Time on site16 days
Remaining Term29 years, 1 month
Seller's equity (what you pay)
$51,551
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

Welcome to this beautifully updated 5-bedroom, 4.5-bath home with an office and a loft! 3,186 sq ft of thoughtfully designed living space. Three of the 5 bedrooms include a private ensuite bathroom. The upgraded kitchen features granite countertops and provides a welcoming space for everyday living and entertaining. Tasteful updates throughout, including elegant wood shutters and finishes that give the home a polished, move-in-ready feel. Situated on an expansive 9,053 sq ft lot, there's plenty of room to enjoy the outdoors and create your own backyard retreat. With a spacious living area and a functional floor plan perfect for multigenerational living, this home is ready to welcome its next owner. Owner Agent

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 $51,551. 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

Bedrooms5
Bathrooms5
Square feet3,186
Property typeSingle Family
MLS #7071311
CountyMaricopa County
Assumable loanFHA
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Free · No commitment · Typical reply in 15 min
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)
$3,478/mo
Source est. payment (PITI)
$4,162/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$51,551

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

$0$51,551
Additional funds needed$0

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