Properties / 2535 E SARATOGA Street
VA ASSUMABLERate: 5.81%

2535 E SARATOGA Street

$799,900
Gilbert, AZ 85296
5 beds3 baths3,421 sqftSingle Family
The assumable advantage
5.81%
VA assumed rate
$198,172 interest already paid off
Estimated Loan Balance$782,916
Cash to close$21,251
Est. Monthly PITI$5,269
Initial Loan Amount$825,652
Time on site50 days
Remaining Term25 years, 10 months
Seller's equity (what you pay)
$16,984
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

Veterans: ask about the 4.5% assumable loan! Stunning golf course lot with N/S exposure, dramatic staircase entry, spacious layout & countless upgrades. Recent improvements include fresh exterior paint, new French doors to backyard & new south-facing downstairs windows. Remodeled kitchen features stainless steel appliances, Wolf cooktop, quartz countertops, touch faucet & herringbone backsplash. Downstairs 5th bedroom functions as a private en-suite for guests or multi-gen living. Upstairs offers oversized bedrooms, large loft & front/back balconies. Primary suite features updated bath, standalone tub, walk-in shower & extended sun deck with mountain views. Spacious backyard, 3-car garage with EV charger & RV gate. Near parks, SanTan Mall, Agritopia, top-rated schools & freeway access

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 $16,984. 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
Bathrooms3
Square feet3,421
Property typeSingle Family
MLS #7025253
CountyMaricopa County
Assumable loanVA
Tour this home
In person or virtual.
Prefer virtual tour?
Free · No commitment · Typical reply in 15 min
Investor?
This VA loan can be assumed and rented. Talk to Jeff about the ROI math.
Jeff Salazar
Active now · (602) 332-3860
Call

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)
$4,883/mo
Source est. payment (PITI)
$5,269/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$16,984

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

$0$16,984
Additional funds needed$0

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