Properties / 12063 S 174TH Avenue
VA ASSUMABLERate: 6.5%

12063 S 174TH Avenue

$395,000
Goodyear, AZ 85338
3 beds2 baths1,582 sqftSingle Family
The assumable advantage
6.5%
VA assumed rate
$38,776 interest already paid off
Estimated Loan Balance$322,703
Cash to close$72,627
Est. Monthly PITI$2,387
Initial Loan Amount$328,631
Time on site48 days
Remaining Term28 years, 3 months
Seller's equity (what you pay)
$72,297
Cash or secondary financing
Monthly savings
$248
Versus today's market rate
Est. savings per year
$3K
Versus today's market rate

About this home

Experience the balance of relaxation and connection in this great Estrella Mountain Ranch home. From the moment you step inside, you'll feel the warmth and comfort this home has to offer. Sunlight pours through expansive windows, creating a warm, welcoming atmosphere, while the open-concept design makes everyday living and entertaining feel effortless. Spend quiet mornings poolside or get involved with lively weekend gatherings at the community clubhouse, golf club or restaurants. With scenic mountain views, a private backyard pool, and thoughtfully designed living spaces, coming home will always be the best part of your day. Don't miss your chance to live the ''good'' life at an affordable price that can't be beat.

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 $72,297. 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 feet1,582
Property typeSingle Family
MLS #7058450
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)
$2,081/mo
Source est. payment (PITI)
$2,387/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$72,297

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

$0$72,297
Additional funds needed$0

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