Properties / 12817 W SAN MIGUEL Avenue
VA ASSUMABLERate: 2.76%

12817 W SAN MIGUEL Avenue

$799,000
Litchfield Park, AZ 85340
4 beds4 baths2,407 sqftSingle Family
The assumable advantage
2.76%
VA assumed rate
$84,709 interest already paid off
Estimated Loan Balance$589,569
Cash to close$212,118
Est. Monthly PITI$3,190
Initial Loan Amount$660,000
Time on site50 days
Remaining Term25 years, 1 month
Seller's equity (what you pay)
$209,431
Cash or secondary financing
Monthly savings
$1,996
Versus today's market rate
Est. savings per year
$24K
Versus today's market rate

About this home

*Beautiful Custom Home on nearly a 1 acre lot in Litchfield Park! ** Prime location** RV Parking! Huge 4 Car Garage! Plenty of space for your Boat, RV and and all your toys! High Ceilings, Granite in Kitchen, Huge Great Room, Beautiful flooring throughout. Large Split Master Bedroom has his & hers Closets and Private Exit to Patio! Casita could be used as an Office or Den, Gas fireplace! Sparkling Pool and Spacious Covered patio where you can entertain Friends and Family! Come see today!

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 $209,431. 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

Bedrooms4
Bathrooms4
Square feet2,407
Property typeSingle Family
MLS #7047791
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)
$2,716/mo
Source est. payment (PITI)
$3,190/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$209,431

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

$0$209,431
Additional funds needed$0

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