Properties / 304 E WESTERN HEMLOCK Place
VA ASSUMABLERate: 5.5%

304 E WESTERN HEMLOCK Place

$431,500
Sahuarita, AZ 85629
4 beds3 baths2,609 sqftSingle Family
The assumable advantage
5.5%
VA assumed rate
$90,437 interest already paid off
Estimated Loan Balance$391,231
Cash to close$40,828
Est. Monthly PITI$2,786
Initial Loan Amount$414,400
Time on site30 days
Remaining Term26 years
Seller's equity (what you pay)
$40,269
Cash or secondary financing
Monthly savings
$185
Versus today's market rate
Est. savings per year
$2K
Versus today's market rate

About this home

Better than Solar! Save $800/mo+ w/ the Assumable 5.5% loan! Welcome to Rancho Sahuarita, a community known for its resort-style living & endless amenities. Nestled on a desirable cul-de-sac, this spacious home features brand-new carpet & fresh interior paint throughout. The open-concept kitchen offers a center island w/ breakfast bar, pantry cabinetry & stainless-steel appliances, flowing seamlessly into the living area. Step outside to your own backyard retreat w/ a private swimming pool, covered patio & outdoor bar - the perfect setting for entertaining family & friends. The primary suite offers its own full bath w/ dual sink, W/I closet, & separate shower, creating a private retreat. In addition, 3 more bedrooms share a full bath, while a convenient half bath serves guests. Click here A versatile loft adds flexibility for a home office or playroom, and a 3-car garage ensures ample storage and parking. Enjoy all the amenities of the renowned Rancho Sahuarita community, including a resort-style clubhouse, multiple pools, jogging and bike trails, a lakeside park, and sports courts -- all designed to enrich your lifestyle.

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 $40,269. 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

Bedrooms4
Bathrooms3
Square feet2,609
Property typeSingle Family
MLS #7065734
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)
$2,360/mo
Source est. payment (PITI)
$2,786/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$40,269

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

$0$40,269
Additional funds needed$0

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