Properties / 1709 E ENCINAS Lane
FHA ASSUMABLERate: 3.44%

1709 E ENCINAS Lane

$319,990
Phoenix, AZ 85040
5 beds3 baths2,186 sqftSingle Family
The assumable advantage
3.44%
FHA assumed rate
$49,810 interest already paid off
Estimated Loan Balance$126,613
Cash to close$194,096
Est. Monthly PITI$1,027
Initial Loan Amount$162,011
Time on site50 days
Remaining Term20 years, 1 month
Seller's equity (what you pay)
$193,377
Cash or secondary financing
Monthly savings
$1,159
Versus today's market rate
Est. savings per year
$14K
Versus today's market rate

About this home

Great Phoenix triplex opportunity with R-3 zoning and value-add potential! Property includes 3 separate units: front building offers a 2 bed/1 bath unit and a 1 bed/1 bath unit, plus rear 2 bed/1 bath unit. Each unit includes kitchen, living/dining area and full bath. Separate electric meters, shared water. Some units feature granite and updates. Property to be cleaned up and delivered at COE. R-3 zoning offers multifamily potential subject to City of Phoenix approval. Excellent opportunity for investor, rental portfolio, or future redevelopment. Convenient location near shopping, dining, schools and freeway access. Cash or hard money only. Buyer to verify all facts, figures, zoning, permits, uses and measurements.

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 $193,377. 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 feet2,186
Property typeSingle Family
MLS #7050123
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)
$728/mo
Source est. payment (PITI)
$1,027/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$193,377

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

$0$193,377
Additional funds needed$0

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