Properties / 11744 W MAUI Lane
FHA ASSUMABLERate: 3.67%

11744 W MAUI Lane

$412,000
El Mirage, AZ 85335
5 beds3 baths2,556 sqftSingle Family
The assumable advantage
3.67%
FHA assumed rate
$75,074 interest already paid off
Estimated Loan Balance$152,149
Cash to close$261,709
Est. Monthly PITI$1,372
Initial Loan Amount$202,313
Time on site50 days
Remaining Term18 years, 7 months
Seller's equity (what you pay)
$259,851
Cash or secondary financing
Monthly savings
$1,488
Versus today's market rate
Est. savings per year
$18K
Versus today's market rate

About this home

Spacious 5-bedroom, 3-bath home with a versatile loft, beautifully updated and move-in ready! **GET THE SOLAR PAID OFF AT CLOSING**Well-designed floor plan offers generous living space with a full bedroom and bath downstairs--perfect for guests or multi-generational living. Recently refreshed with modern upgrades, fresh interior paint, and thoughtful improvements throughout, this home blends comfort and functionality. The open-concept kitchen flows seamlessly into the main living areas, ideal for everyday living and entertaining. Upstairs, enjoy a flexible loft space perfect for a second living room, office, or play area. Step outside to a low-maintenance yard with room to relax and entertain. Located near shopping, dining, and convenient freeway access, this home offers both value and lifestyle.

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 $259,851. 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

Bedrooms5
Bathrooms3
Square feet2,556
Property typeSingle Family
MLS #7023904
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)
$942/mo
Source est. payment (PITI)
$1,372/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$259,851

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

$0$259,851
Additional funds needed$0

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