Properties / 13730 W PECK Drive
VA ASSUMABLERate: 4.49%

13730 W PECK Drive

$335,000
Litchfield Park, AZ 85340
3 beds2 baths1,306 sqftSingle Family
The assumable advantage
4.49%
VA assumed rate
$46,551 interest already paid off
Estimated Loan Balance$53,762
Cash to close$281,446
Est. Monthly PITI$647
Initial Loan Amount$80,896
Time on site22 days
Remaining Term14 years, 11 months
Seller's equity (what you pay)
$281,238
Cash or secondary financing
Monthly savings
$1,563
Versus today's market rate
Est. savings per year
$19K
Versus today's market rate

About this home

Welcome to this single-story, 3-bedroom, 2-bathroom home that is move-in ready with 1,306 square feet, vaulted ceilings, and a 2-car attached garage. As soon as you pull up, a tile roof and stucco exterior set the tone, and a security screen door welcomes you through the front entry. Step inside to the living room, finished with wood flooring, flowing into the dining area and kitchen. The kitchen delivers stainless steel appliances (a French-door refrigerator, range, and microwave), oak cabinetry, a breakfast bar, and a pantry. There's no carpet anywhere in this home. The primary suite offers a ceiling fan, a spacious walk-in closet, and a private ensuite bath. Two additional bedrooms share a beautifully upgraded hall bath with a granite countertop and vessel sink. A separate Family room for additional space to unwind, with a sliding glass door opening to the covered patio out back. Out back, the covered patio overlooks a nice sized backyard with plenty of room to add grass, a play area, or garden beds, bring your vision and make it your own. Dual-pane windows and a heat pump system with central air, ceiling fans, and a programmable thermostat keep the home comfortable year-round. One of the biggest perks: this home is grandfathered into APS's original solar metering program with its 10kW solar system, and the average monthly power bill runs just $41.31. That's a rare find now that APS no longer offers that metering for new solar sytem customers. Close to Luke Air Force Base.

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 $281,238. 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 feet1,306
Property typeSingle Family
MLS #7069052
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)
$413/mo
Source est. payment (PITI)
$647/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$281,238

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

$0$281,238
Additional funds needed$0

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