Properties / 3661 W Abrigo Drive
FHA ASSUMABLERate: 6.84%

3661 W Abrigo Drive

$425,000
Golden Valley, AZ 86413
3 beds3 baths2,102 sqftSingle Family
The assumable advantage
6.84%
FHA assumed rate
$27,502 interest already paid off
Estimated Loan Balance$320,523
Cash to close$105,061
Est. Monthly PITI$2,505
Initial Loan Amount$323,622
Time on site36 days
Remaining Term28 years, 10 months
Seller's equity (what you pay)
$104,477
Cash or secondary financing
Monthly savings
$382
Versus today's market rate
Est. savings per year
$5K
Versus today's market rate

About this home

Unlike anything else on the market, this extraordinary property combines craftsmanship, character, and functionality on 5 private acres. Every detail tells a story, from the former blacksmith shop that now serves as a garage to the custom woodwork and artistic accents found throughout the home.Inside, natural light pours through multiple skylights, illuminating warm tongue-and-groove pine ceilings, impressive Douglas fir beams, and handcrafted built-in features. Loft spaces add architectural interest and flexibility, while a wood-burning fireplace creates a cozy focal point for gathering and relaxing. A custom built-in wood bench and stained-glass accents add charm and individuality that cannot be replicated.The home's unique design seamlessly connects indoor and outdoor living with three separate patios offering space to entertain, unwind, and enjoy the surrounding landscape. Outside, you'll find an outdoor shower, greenhouses for year-round gardening with irrigation, and ample room to explore, create, and grow on five scenic acres.The garage retains the character of its history as a blacksmith shop and is complemented by an enclosed workshop on the west side ideal for artists, craftspeople, hobbyists, or anyone needing dedicated workspace. Comfort is ensured year-round with a Trane HVAC system complemented by two split-unit systems for efficient climate control throughout the home.

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 $104,477. 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

Bedrooms3
Bathrooms3
Square feet2,102
Property typeSingle Family
MLS #040002
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)
$2,124/mo
Source est. payment (PITI)
$2,505/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$104,477

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

$0$104,477
Additional funds needed$0

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