Properties / 3034 N 431ST Avenue
FHA ASSUMABLERate: 3.5%

3034 N 431ST Avenue

$305,900
Tonopah, AZ 85354
4 beds2 baths2,021 sqftSingle Family
The assumable advantage
3.5%
FHA assumed rate
$0 interest already paid off
Estimated Loan Balance
Cash to close$305,900
Est. Monthly PITI$163
Initial Loan Amount
Time on site0 days
Remaining Term
Seller's equity (what you pay)
Cash or secondary financing
Monthly savings
Versus today's market rate
Est. savings per year
Versus today's market rate

About this home

🌵 Prime Tonopah location with easy access and surrounded by established homes! 🏡 Discover this stunning 2,001 sq ft home featuring 4 bedrooms, 2 baths, and an open floor plan designed for modern living. ✨ Enjoy stainless steel appliances 🍳, sleek countertops, upgraded cabinets, and a stylish entertainment center with built-in fireplace 🔥. The spacious flex room adds versatility, while the oversized primary suite offers a true retreat 🛁. Situated on a full 1-acre lot 🌄--room to build, park, and play. Factory-built in 2024 and installed in 2025. FHA, VA & USDA approved ✅. Near major growth corridors including I-11 and future developments 🚀.

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 — the difference between the sale price and the remaining loan balance. This seller has not published their balance yet; ask us and we'll confirm it with the lender. 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
Bathrooms2
Square feet2,021
Property typeSingle Family
MLS #7079122
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)
Source est. payment (PITI)
$163/mo

P&I is principal and interest. PITI also includes estimated taxes and insurance. HOA fees and payments on any additional financing are separate.

The loan details needed to estimate principal and interest are unavailable.

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.