ASSUMABLE FHA LOAN at 4.35%, 30 year fixed. Balance $400k. Beautiful home built in 2021 featuring countless upgrades, including 9' ceilings, Shaw Milan Surf 17x17 tile, and granite kitchen countertops. Enjoy Whirlpool stainless steel appliances, white cabinetry, and energy-efficient features like a WiFi programmable thermostat and electric water heater. The owner's suite offers a spacious walk-in closet. Relax under the covered backyard patio with stunning mountain views. Located in a master-planned community with trails, parks, lakes, and playgrounds.
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.
You need to cover the seller's equity of $29,547. If you don't have that in cash, we can help structure secondary financing to cover the gap.
No — FHA loans require owner-occupancy. If you're an investor, ask us about our VA inventory.
Typically 45 days. The lender underwriting is 2–3 weeks, and the rest is standard closing.
Cash covers the gap between the price and the existing loan balance. Changing this amount does not change the existing mortgage payment.
P&I is principal and interest. PITI also includes estimated taxes and insurance. HOA fees and payments on any additional financing are separate.
Asking price minus remaining loan balance. Closing costs are additional.
The equity gap is covered. Closing costs and assumption fees still need to be confirmed.