Properties / 3596 N Emery Park Road
FHA ASSUMABLERate: 6.76%

3596 N Emery Park Road

$279,000
Golden Valley, AZ 86413
2 beds1 baths1,226 sqftSingle Family
The assumable advantage
6.76%
FHA assumed rate
$17,573 interest already paid off
Estimated Loan Balance$194,002
Cash to close$85,362
Est. Monthly PITI$1,607
Initial Loan Amount$196,270
Time on site36 days
Remaining Term28 years, 8 months
Seller's equity (what you pay)
$84,998
Cash or secondary financing
Monthly savings
$367
Versus today's market rate
Est. savings per year
$4K
Versus today's market rate

About this home

Welcome to 3596 Emery Park Road, a Spanish-style home set on 2.35 ACRES just off a paved road in Golden Valley. The home sits on a fully fenced one-acre homesite, with an additional 1.35 acres offering plenty of room to expand, add parking, create an outdoor space, or bring your desert toys. Inside, Saltillo tile adds warmth and character throughout the entry and freshly remodeled kitchen, which features new cabinets and countertops. The main bathroom has also been updated with new countertops, a remodeled shower, and pebble-style tile flooring. The BOAT-DEEP TANDEM GARAGE offers plenty of room for vehicles, tools, and projects, along with built-in storage, cabinets, a separate storage room, and newly poured concrete. Recent improvements also include NEW LANDSCAPING and a UPDATED AC system, making this home move-in ready. Enjoy colorful sunsets from the front of the property and wide-open mountain views from the backyard. Located less than 20 minutes from Bullhead City, Laughlin, and Lake Mohave, with off-road trails nearby, this property offers space, privacy, and easy access to everything the area has to offer. Schedule a private tour with your Realtor today.

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 $84,998. 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

Bedrooms2
Bathrooms1
Square feet1,226
Property typeSingle Family
MLS #040745
CountyMaricopa County
Assumable loanFHA
Tour this home
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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)
$1,278/mo
Source est. payment (PITI)
$1,607/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$84,998

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

$0$84,998
Additional funds needed$0

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