Properties / 14600 W Valentine Street
VA ASSUMABLERate: 6.72%

14600 W Valentine Street

$418,000
Surprise, AZ 85379
3 beds2 baths1,374 sqftSingle Family
The assumable advantage
6.72%
VA assumed rate
$48,144 interest already paid off
Estimated Loan Balance$407,514
Cash to close$12,055
Est. Monthly PITI$2,986
Initial Loan Amount$413,096
Time on site50 days
Remaining Term28 years, 4 months
Seller's equity (what you pay)
$10,486
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

$30K+ IN CUSTOM UPGRADES • EXTENDED TRAVErTINE PATIO • MARLEY PARK LIFESTYLE! Skip the builder wait and costly post-closing projects with this immaculate, 2024-built single-story residence in Marley Park! Boasting over $30,000 in premium owner-invested upgrades, this move-in-ready 3-bedroom, 2-bath home combines designer finishes with everyday comfort and peace of mind. Step inside to an open, light-filled layout highlighted by wood-look tile flooring in all the right traffic areas and elegant custom wood plantation shutters throughout. The chef's kitchen serves as the centerpiece, featuring premium Cambria quartz countertops, soft-close cabinetry with custom pull-out organizers, a touch-less faucet, upgraded KitchenAid dishwasher, and a seamless flow into the dining and living spaces. The comfort continues with an owned whole-home water softening system and heavy-duty Bulldog security screens with a transferable lifetime warranty. Step out back to your private low-maintenance retreat, complete with an extended travertine paver patio--perfect for relaxing mornings, weekend barbecues, and effortless indoor-outdoor Arizona living. Marley Park offers an unmatched community lifestyle with multiple resort pools, splash pads, clubhouse, and scenic park trails. Ideally located under 15 minutes from Luke AFB and just minutes from Costco, top-rated schools, and the dining and entertainment at Prasada. Seller is willing to consider buyer closing cost / rate buydown assistance to help lower your monthly payment!

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 $10,486. 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 feet1,374
Property typeSingle Family
MLS #7020018
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)
$2,684/mo
Source est. payment (PITI)
$2,986/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$10,486

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

$0$10,486
Additional funds needed$0

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