Properties / 19604 W JEFFERSON Street
FHA ASSUMABLERate: 3.44%

19604 W JEFFERSON Street

$435,000
Buckeye, AZ 85326
5 beds3 baths2,569 sqftSingle Family
The assumable advantage
3.44%
FHA assumed rate
$79,417 interest already paid off
Estimated Loan Balance$205,632
Cash to close$232,235
Est. Monthly PITI$1,696
Initial Loan Amount$260,190
Time on site50 days
Remaining Term20 years, 2 months
Seller's equity (what you pay)
$229,368
Cash or secondary financing
Monthly savings
$1,386
Versus today's market rate
Est. savings per year
$17K
Versus today's market rate

About this home

PAID-OFF SOLAR! Spacious 5-bedroom, 3-bath home in desirable Blue Horizons! This move-in-ready home features a 2-car garage, inviting front patio, soaring ceilings, tile flooring, and an open concept layout. The main level offers a formal living room, spacious great room, plus a bedroom and full bath perfect for guests or multi-generational living. The kitchen boasts granite countertops, white cabinetry with crown molding, stainless steel appliances, recessed lighting, a pantry, and a large island with breakfast bar. Upstairs you'll find a versatile loft and a private primary suite with dual sinks and a walk-in closet. Relax under the covered patio and design your dream backyard ideal for a pool, turf, pergola, or outdoor entertaining. Enjoy lower utility costs with paid-off solar!

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 $229,368. 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

Bedrooms5
Bathrooms3
Square feet2,569
Property typeSingle Family
MLS #7018025
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)
$1,179/mo
Source est. payment (PITI)
$1,696/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$229,368

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

$0$229,368
Additional funds needed$0

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