Properties / 44165 W KRAMER Lane
FHA ASSUMABLERate: 6.43%

44165 W KRAMER Lane

$299,000
Maricopa, AZ 85138
3 beds3 baths2,301 sqftSingle Family
The assumable advantage
6.43%
FHA assumed rate
$71,653 interest already paid off
Estimated Loan Balance$348,874
Cash to close$0
Est. Monthly PITI$2,739
Initial Loan Amount$358,388
Time on site50 days
Remaining Term26 years, 11 months
Seller's equity (what you pay)
$0
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

Stylish. Spacious. Completely Turnkey. Welcome to a home where every upgrade has been thoughtfully completed, blending modern style with everyday comfort. Step inside to fresh designer paint, newer carpet, and wide-plank laminate wood flooring that flows throughout the main living spaces. At the heart of the home is the stunning reimagined kitchen—featuring granite countertops, a sleek backsplash, composite sink, modern fixtures, Samsung stainless steel appliances, and a counter-height peninsula with bar seating. Whether you're hosting guests or cooking for family, this kitchen is ready to impress. The open-concept living area shines with a brand-new ceiling fan, adding both comfort and style, while the dining area is anchored by a striking new light fixture that creates the perfect ambiance for gatherings.All bathrooms have been fully renovated with granite vanities, framed mirrors, updated lighting, newer toilets, and designer tile showers, offering a spa-inspired experience at home. Upstairs, a spacious loft provides flexible livingideal as a home office, playroom, or media spaceand now features new light fixtures that brighten and elevate the entire area. The oversized primary suite offers a peaceful retreat, and each secondary bedroom includes walk-in closets for added convenience. Backyard Bliss  A $20,000 Upgrade! Step outside to your private, low-maintenance oasisfeaturing synthetic turf, a spacious patio perfect for basketball or entertaining, and your very own putting green. With professional landscaping and thoughtful design, this outdoor space is built for both relaxation and fun.This home is loaded with premium upgrades inside and outmove-in ready and simply unforgettable.

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 $0. 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

Bedrooms3
Bathrooms3
Square feet2,301
Property typeSingle Family
MLS #6945959
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)
$2,274/mo
Source est. payment (PITI)
$2,739/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

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

Confirm the current loan balance and equity requirement with an agent before estimating cash needed.