Properties / 10906 W ROUNDELAY Circle S
VA ASSUMABLERate: 2.77%

10906 W ROUNDELAY Circle S

$325,000
Sun City, AZ 85351
3 beds2 baths1,699 sqftSingle Family
The assumable advantage
2.77%
VA assumed rate
$19,076 interest already paid off
Estimated Loan Balance$113,751
Cash to close$211,786
Est. Monthly PITI$771
Initial Loan Amount$129,695
Time on site50 days
Remaining Term24 years, 5 months
Seller's equity (what you pay)
$211,249
Cash or secondary financing
Monthly savings
$1,382
Versus today's market rate
Est. savings per year
$17K
Versus today's market rate

About this home

Beautiful open floor plan 3 Bed/ 2 Bath w/Solar and AZ/ Flex-Room. 2 Car Garage w/ Extra Storage Area, Inside Laundry! Kitchen features NEW Countertops, Dishwasher, Sink, LED Lighting ,RO System and lots of cabinet space. Spacious Living Room / Dining Area . Enclosed AZ/Flex Room has ducted heat & AC. The Primary Suite offers a Walk-in Closet, 2 Vanities & a Shower. Large 2nd & 3rd Bedrooms , 2nd Bathroom w/ Tub, Shower & Vanity. New flooring in kitchen and hallways. Two skylights for natural light, Newer AC and Hot Water Heater. Enjoy the Spacious Backyard with Gazebo for entertaining w/citrus trees. Home Features New Attic Insulation, 2 year home Warranty included and a transferable 15-year HVAC Warranty. See the upgrade list under document tab. SCHOA oversees Sun City & has CC&R's but is Voluntary at approx $25 per year * Welcome to the Active Adult Golf Community of Sun City! Sun City offers many amenities & low taxes! 7 Rec Centers with swimming pools, lap pools, walking pools, Hot tubs and many activities & work shop. Pickleball, Shuffle Board, Pool Tables, Darts, Tennis, Ground Bowling, Mini Golf and Lake Activities! 8 Public Golf Courses & Reduced prices with Rec Card. Close to shopping, restaurants & entertainment! Close to Spring Training Base Ball Fields. Close to Arrowhead Mall and Lake Pleasant. AGE RESTRICTED RETIREMENT COMMUNITY. ONE PERSON MUST BE 55 YEARS OLD AND NO ONE UNDER 19 YEARS OLD AS A PERMANENT RESIDENT - SCHOA RESTRICTIONS APPLY - REFER TO THE CC&R'S.

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 $211,249. 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

Bedrooms3
Bathrooms2
Square feet1,699
Property typeSingle Family
MLS #7056515
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)
$535/mo
Source est. payment (PITI)
$771/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$211,249

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

$0$211,249
Additional funds needed$0

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