Properties / 16645 N 173RD Avenue
VA ASSUMABLERate: 3.78%

16645 N 173RD Avenue

$550,000
Surprise, AZ 85388
5 beds4 baths3,565 sqftSingle Family
The assumable advantage
3.78%
VA assumed rate
$85,217 interest already paid off
Estimated Loan Balance$126,136
Cash to close$423,864
Est. Monthly PITI$1,228
Initial Loan Amount$188,575
Time on site0 days
Remaining Term15 years, 11 months
Seller's equity (what you pay)
$423,864
Cash or secondary financing
Monthly savings
$2,364
Versus today's market rate
Est. savings per year
$28K
Versus today's market rate

About this home

Original owner selling! (Very Lightly lived-in) Big & Beautiful! Five-bedroom, 3 1/2 bath home plus office/bonus room and large loft. Island kitchen with window over sink looking out to sparkling pool! Plantation shutters, tile throughout downstairs, plush carpet upstairs, ceiling fans in every room! Meticulously maintained, pool just re-surfaced Aug 2026! Formal living & dining, family room open to kitchen, large loft with built-in homework desk, downstairs guest suite with it's own bath! Split 3 car garage, perfect for storage or workshop! Ideal location close to Luke AFB, 303 Loop, schools, parks, shopping & restaurants!

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 $423,864. 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

Bedrooms5
Bathrooms4
Square feet3,565
Property typeSingle Family
MLS #7071775
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)
$880/mo
Source est. payment (PITI)
$1,228/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$423,864

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

$0$423,864
Additional funds needed$0

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