Properties / 1345 W KENNEDY Avenue
FHA ASSUMABLERate: 6.34%

1345 W KENNEDY Avenue

$274,999
Coolidge, AZ 85128
4 beds2 baths1,900 sqftSingle Family
The assumable advantage
6.34%
FHA assumed rate
$67,004 interest already paid off
Estimated Loan Balance$321,436
Cash to close$0
Est. Monthly PITI$2,491
Initial Loan Amount$331,455
Time on site50 days
Remaining Term26 years, 10 months
Seller's equity (what you pay)
$0
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

3% Buyer paid closing costs! Welcome to this beautifully designed single-story residence offering approximately 1,900 square feet of thoughtfully planned living space. The wide-open layout features a designated dining area perfectly positioned off the gathering room, creating an inviting flow for both everyday living and entertaining. Spacious secondary bedrooms are split from the private owner's suite, providing comfort and privacy for everyone. This home is enhanced by attractive interior finishes throughout, including timeless espresso-stained cabinetry, granite kitchen countertops, and stainless steel appliances. The kitchen is the heart of the home with an eat-in dining area, breakfast bar, large island, and built-in microwave, ideal for casual meals or hosting guests. Additional highlights include 9-foot ceilings, double-pane ENERGY STAR® qualified low-E tinted windows with vinyl cladding, smart home technology, 2" white faux wood blinds, rain gutters, washer and dryer hookups, and a garage door opener. The home also comes complete with front and back yard landscaping, making it truly move-in ready. Comfort and efficiency are top priorities with ENERGY STAR® qualified equipment, central air, heating, and high-speed internet and cable availability. Step outside to enjoy the covered patio or porch, perfect for relaxing or outdoor dining. The primary suite features a well-appointed bathroom with dual vanity sinks, while the additional bedrooms offer generous space and plush carpeting. Tile flooring accents key living areas for both style and durability. This exceptional home combines modern convenience, energy efficiency, and timeless style, a place you'll be proud to own.

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 $0. 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

Bedrooms4
Bathrooms2
Square feet1,900
Property typeSingle Family
MLS #6957744
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)
$2,079/mo
Source est. payment (PITI)
$2,491/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

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

Confirm the current loan balance and equity requirement with an agent before estimating cash needed.