Properties / 2844 E MONTE CRISTO Avenue
VA ASSUMABLERate: 3.16%

2844 E MONTE CRISTO Avenue

$598,000
Phoenix, AZ 85032
8 beds8 baths sqftSingle Family
The assumable advantage
3.16%
VA assumed rate
$73,441 interest already paid off
Estimated Loan Balance$366,327
Cash to close$242,948
Est. Monthly PITI$2,040
Initial Loan Amount$408,177
Time on site50 days
Remaining Term24 years
Seller's equity (what you pay)
$231,673
Cash or secondary financing
Monthly savings
$1,711
Versus today's market rate
Est. savings per year
$21K
Versus today's market rate

About this home

Fourplex FOR SALE in the heart of North Phoenix just minutes from the Desert Ridge Marketplace, SR 51, local schools and parks, shopping, and many other attractions. This deal perfect for an occupant! VA ASSUMABLE loan, see remarks. The unit mix is: one 1bed/1bath unit, one 2bed/2bath unit, one 2bed/1.5 bath TH style unit, & one 3bed/3bath unit. All units have generous square footage along w/ W/D hookups. Each unit has outdoor space w/ either a ground level patio or a balcony. Monthly HOA dues INCLUDE: common area maintenance, landscaping, community pool, parking enforcement, & gated access w/ fob entry. 3 of 4 units occupied w/ good paying tenants, all MTM. DO NOT Disturb Tenants. Drive By ONLY. See documents tab, rents in attachment & listed in MLS are actual. Indiv. metered for water.

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 $231,673. 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

Bedrooms8
Bathrooms8
Property typeSingle Family
MLS #6855967
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)
$1,816/mo
Source est. payment (PITI)
$2,040/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$231,673

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

$0$231,673
Additional funds needed$0

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