Properties / 18191 W Watkins Street
FHA ASSUMABLERate: 6.5%

18191 W Watkins Street

$575,000
Goodyear, AZ 85338
3 beds3 baths2,500 sqftSingle Family
The assumable advantage
6.5%
FHA assumed rate
$43,197 interest already paid off
Estimated Loan Balance$528,626
Cash to close$46,374
Est. Monthly PITI$4,071
Initial Loan Amount$535,123
Time on site50 days
Remaining Term28 years, 10 months
Seller's equity (what you pay)
$46,374
Cash or secondary financing
Monthly savings
$5
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

Gorgeous Goodyear Home* home is just like a model* just built in 2025* ranch single level* 2500 sq ft* 3 bedrooms* 3 bathrooms* den/office* large great room* 3 car garage* upgraded sliding glass pocket doors in great room* gorgeous gourmet kitchen* spacious kitchen island w/ pendant lighting prewired* quartz kitchen island top and kitchen countertops* all upgraded stainless steel kitchen appliances* double wall ovens* large walk in kitchen pantry* white 42' upper kitchen cabinets* large great room* eat in kitchen* upgraded light plank style tile flooring throughout* beautiful owner suite master bedroom and bathroom* raised double sinks w/quartz top* expansive glass rain shower* large soaking tub* extra large walk in owner suite closet* energy star windows, air conditioning and heating* gas tankless water heater* 10ft ceilings* seller installed additional ceiling cam lighting in owners suite, hallway and den/office* north/south exposure* gas ready back patio* backyard ready for your design* prestigious Pradera subdivision* home is like brand new* fantastic 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 $46,374. 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 feet2,500
Property typeSingle Family
MLS #7053643
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)
$3,386/mo
Source est. payment (PITI)
$4,071/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$46,374

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

$0$46,374
Additional funds needed$0

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