Properties / 32842 N PEBBLE CREEK Drive
FHA ASSUMABLERate: 3.62%

32842 N PEBBLE CREEK Drive

$445,000
San Tan Valley, AZ 85143
4 beds3 baths3,437 sqftSingle Family
The assumable advantage
3.62%
FHA assumed rate
$65,256 interest already paid off
Estimated Loan Balance$241,432
Cash to close$204,664
Est. Monthly PITI$1,792
Initial Loan Amount$279,837
Time on site50 days
Remaining Term23 years, 2 months
Seller's equity (what you pay)
$203,568
Cash or secondary financing
Monthly savings
$1,340
Versus today's market rate
Est. savings per year
$16K
Versus today's market rate

About this home

Spacious 4-Bedroom Home with Loft and 3-Car Garage This beautiful home features 4 bedrooms, 2.5 bathrooms, a great room, office/den, formal living room, dining room, a huge loft, and a 3-car garage. The first floor includes a spacious primary suite, a large office/den, and a convenient half bath. The well-appointed kitchen offers upgraded staggered cabinetry, slab granite countertops, a breakfast bar, center island, walk-in pantry, and a sunny breakfast nook. The open-concept floor plan flows into the great room, complete with surround sound and direct access to the covered patio, making it ideal for entertaining. The first-floor primary suite features double vanities, a separate soaking tub and shower, and a large walk-in closet. Upstairs, you'll find three additional bedrooms, each with its own walk-in closet, a full bathroom with double sinks, and a massive, light-filled loft that provides flexible living space. The home also offers abundant storage throughout.

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 $203,568. 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 feet3,437
Property typeSingle Family
MLS #7038521
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)
$1,284/mo
Source est. payment (PITI)
$1,792/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$203,568

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

$0$203,568
Additional funds needed$0

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