Properties / 4365 W Pelotazo Way
VA ASSUMABLERate: 3.76%

4365 W Pelotazo Way

$505,000
San Tan Valley, AZ 85144
4 beds3 baths2,122 sqftSingle Family
The assumable advantage
3.76%
VA assumed rate
$85,658 interest already paid off
Estimated Loan Balance$493,344
Cash to close$12,605
Est. Monthly PITI$2,814
Initial Loan Amount$538,000
Time on site36 days
Remaining Term25 years, 7 months
Seller's equity (what you pay)
$11,656
Cash or secondary financing
Monthly savings
$474
Versus today's market rate
Est. savings per year
$6K
Versus today's market rate

About this home

Beautiful single-story home offering 4 bedrooms, a den, and 3 full bathrooms! The open-concept floor plan features a spacious kitchen that flows into the dining and living areas, making it perfect for everyday living and entertaining. You'll love the large kitchen island, stainless steel appliances, and walk-in pantry with plenty of storage. The versatile den is ideal for a home office, playroom, or workout space. Step outside to a covered patio overlooking your own private backyard retreat with a sparkling heated pool, perfect for relaxing or entertaining year-round. This home combines comfort, functionality, and great indoor-outdoor living. Don't miss your chance to make it yours!

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 $11,656. 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

Bedrooms4
Bathrooms3
Square feet2,122
Property typeSingle Family
MLS #7058495
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)
$2,504/mo
Source est. payment (PITI)
$2,814/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$11,656

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

$0$11,656
Additional funds needed$0

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