Properties / 10944 W SARATOGA Circle
VA ASSUMABLERate: 6.3%

10944 W SARATOGA Circle

$369,900
Sun City, AZ 85351
2 beds2 baths2,064 sqftSingle Family
The assumable advantage
6.3%
VA assumed rate
$19,365 interest already paid off
Estimated Loan Balance$333,684
Cash to close$35,884
Est. Monthly PITI$2,338
Initial Loan Amount$336,926
Time on site3 days
Remaining Term29 years, 2 months
Seller's equity (what you pay)
$36,216
Cash or secondary financing
Monthly savings
$96
Versus today's market rate
Est. savings per year
$1K
Versus today's market rate

About this home

PRIDE OF OWNERSHIP IN ONE OF SUN CITY'S BEST LOCATIONS! Beautifully maintained and move-in ready, this home features numerous recent updates including fresh paint, new carpet, and A/C replaced 2 years ago, a new gas water heater (under 1 year old), new stainless steel stove & microwave, newer stainless steel dishwasher, and new garage door. The back patio was poured approximately 1 year ago and features a newer louvered pergola. Inside, the desirable split-bedroom floor plan offers a spacious open great room plus an AZ room for additional living space. An oversized laundry/utility room with office or craft room potential and golf cart garage provide excellent flexibility. Enjoy low-maintenance front and back yards, a welcoming front porch, and plenty of backyard space for future additional storage or a pool. Come see why Sun City is such a sought-after place!

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 $36,216. 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

Bedrooms2
Bathrooms2
Square feet2,064
Property typeSingle Family
MLS #7077209
CountyMaricopa County
Assumable loanVA
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Investor?
This VA loan can be assumed and rented. Talk to Jeff about the ROI math.
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)
$2,085/mo
Source est. payment (PITI)
$2,338/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$36,216

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

$0$36,216
Additional funds needed$0

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