Properties / 854 S Salt Place
FHA ASSUMABLERate: 6.22%

854 S Salt Place

$419,900
Golden Valley, AZ 86413
4 beds3 baths1,973 sqftSingle Family
The assumable advantage
6.22%
FHA assumed rate
$20,624 interest already paid off
Estimated Loan Balance$397,701
Cash to close$23,379
Est. Monthly PITI$2,915
Initial Loan Amount$399,628
Time on site36 days
Remaining Term29 years, 3 months
Seller's equity (what you pay)
$22,199
Cash or secondary financing
Monthly savings
$13
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

This stunning modern Golden Valley home sits on a full acre and offers the perfect blend of style, space, and functionality. Enjoy PAVED road access all the way to the property, providing easy year round access! Featuring a 3-car boat-deep garage and an open, inviting floor plan, this move-in ready property showcases upgraded flooring, designer lighting, floating shelves, and thoughtful custom touches throughout. The spacious living room is highlighted by a custom built-in entertainment wall with an electric fireplace and abundant natural light. The beautifully designed kitchen is perfect for entertaining with a large island, stainless steel appliances, modern finishes, quartz countertops, a stylish backsplash, oversized walk-in pantry, and indoor laundry area with additional storage space. Designed with comfort and privacy in mind, this home features two generously sized primary suites, each with its own private bathroom. The split floor plan places the suites on opposite sides of the home, making it ideal for multi-generational living, guests, or added flexibility. Step outside and enjoy the extra space and convenience this property offers, including RV electric, water, and dump hookups on the north side of the home. The fully paid-off solar system with Tesla batteries and Tesla chargers provides exceptional energy efficiency, and the sellers have even enjoyed credits on their electric bills. Located close to Kingman, Laughlin, and endless desert recreation, this beautifully upgraded property offers modern desert living at its finest.

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 $22,199. 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 feet1,973
Property typeSingle Family
MLS #039139
CountyMaricopa County
Assumable loanFHA
Tour this home
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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)
$2,463/mo
Source est. payment (PITI)
$2,915/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$22,199

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

$0$22,199
Additional funds needed$0

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