Properties / 17271 W SMOKEY Drive
FHA ASSUMABLERate: 4.99%

17271 W SMOKEY Drive

$410,000
Surprise, AZ 85388
3 beds2 baths1,640 sqftSingle Family
The assumable advantage
4.99%
FHA assumed rate
$77,091 interest already paid off
Estimated Loan Balance$373,421
Cash to close$35,998
Est. Monthly PITI$2,675
Initial Loan Amount$398,249
Time on site0 days
Remaining Term26 years, 1 month
Seller's equity (what you pay)
$36,579
Cash or secondary financing
Monthly savings
$283
Versus today's market rate
Est. savings per year
$3K
Versus today's market rate

About this home

MOVE-IN READY & FULLY FURNISHED! Just bring your clothes and start enjoying Arizona living! This beautifully maintained 3-bedroom, 2-bath single-level home comes complete with all furnishings and features a sparkling heated pool. Step inside to a bright, open-concept floor plan with vaulted ceilings, abundant natural light, tile flooring throughout the main living areas, and comfortable carpeted bedrooms. The spacious kitchen offers updated built-in appliances, ample cabinetry and counter space, a breakfast bar, pantry, and nearby formal dining area. The generous primary suite features vaulted ceilings, dual sinks, a separate tub and shower, and walk-in closet. Step outside to your own private backyard retreat with a covered patio, low-maintenance landscaping, and heated pool--perfect for relaxing or entertaining year-round. This truly turnkey home is ready for you to move in and enjoy!

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 $36,579. 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

Bedrooms3
Bathrooms2
Square feet1,640
Property typeSingle Family
MLS #7080078
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)
$2,135/mo
Source est. payment (PITI)
$2,675/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$36,579

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

$0$36,579
Additional funds needed$0

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