Properties / 4557 W SOUTH BUTTE Road
VA ASSUMABLERate: 3.93%

4557 W SOUTH BUTTE Road

$475,000
San Tan Valley, AZ 85144
3 beds2 baths1,965 sqftSingle Family
The assumable advantage
3.93%
VA assumed rate
$87,413 interest already paid off
Estimated Loan Balance$160,879
Cash to close$315,104
Est. Monthly PITI$1,285
Initial Loan Amount$215,000
Time on site50 days
Remaining Term18 years, 4 months
Seller's equity (what you pay)
$314,121
Cash or secondary financing
Monthly savings
$1,774
Versus today's market rate
Est. savings per year
$21K
Versus today's market rate

About this home

This spacious single-family home blends architectural charm with modern convenience in a prime location. Featuring elegant coffered ceilings and tile flooring in all the right places, this home offers both style and functionality. The kitchen is a chef's dream, complete with white cabinetry, stainless steel appliances, granite countertops, a center island, and a pantry. The master suite boasts a luxurious bath with a separate tub and shower, dual vanities, and a spacious walk-in closet. A secondary bathroom also includes dual vanities for added convenience. The oversized three-car tandem garage provides ample space for hobbies or extra storage. Situated on a large lot with a storage shed and breathtaking views of the San Tan Mountains.

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 $314,121. 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

Bedrooms3
Bathrooms2
Square feet1,965
Property typeSingle Family
MLS #7043538
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)
$1,027/mo
Source est. payment (PITI)
$1,285/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$314,121

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

$0$314,121
Additional funds needed$0

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