Properties / 12580 W COUNTRY CLUB Trail
FHA ASSUMABLERate: 6.42%

12580 W COUNTRY CLUB Trail

$460,000
Sun City West, AZ 85375
4 beds3 baths2,049 sqftSingle Family
The assumable advantage
6.42%
FHA assumed rate
$89,134 interest already paid off
Estimated Loan Balance$363,472
Cash to close$98,253
Est. Monthly PITI$2,975
Initial Loan Amount$378,499
Time on site50 days
Remaining Term26 years, 4 months
Seller's equity (what you pay)
$96,528
Cash or secondary financing
Monthly savings
$326
Versus today's market rate
Est. savings per year
$4K
Versus today's market rate

About this home

Single Story-Split Floorplan-Ensuite-3 full Bathrooms- Flex Room-Open Floor Plan- 2022 A/C, Roof, Windows- Not Age Restricted! Spacious single story with split floorplan with 4 bedrooms and 3 full bathrooms with an ensuite and a flex room. This impeccably maintained 2022 Meritage home with preferred layout (Jubilee) offers space, open concept with large kitchen, elegant espresso cabinets, pendant lighting and granite countertops with gas appliances, extra cabinet storage and large pantry with woodlook tile throughout. The kitchen opens up to great room and dining area. Large private primary suite offers spacious retreat with large walk-in shower, double vanity and walk-in closet. This layout also offers 2 bedrooms off the great room with shower, tub and double vanity with a flex room. Perfect for an office, game room or play area. The fourth bedroom at the front of the home has its own bathroom and walk-in closet. Multiple storage closets throughout and spacious laundry room with additional storage space. Completely finished backyard includes the covered, shaded patio with north/south exposure, low maintenance turf, pavers and mature landscaping. Energy efficiency with 2022 dual pane, windows, foam insulation, soft water and solar offers low electric bills. This home has it all!

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 $96,528. 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 feet2,049
Property typeSingle Family
MLS #7030093
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)
$2,387/mo
Source est. payment (PITI)
$2,975/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$96,528

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

$0$96,528
Additional funds needed$0

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