Properties / 14000 N 94TH Street
FHA ASSUMABLERate: 6.26%

14000 N 94TH Street

$445,000
Scottsdale, AZ 85260
2 beds2 baths1,338 sqftSingle Family
The assumable advantage
6.26%
FHA assumed rate
$16,412 interest already paid off
Estimated Loan Balance$392,638
Cash to close$53,190
Est. Monthly PITI$2,901
Initial Loan Amount$394,672
Time on site33 days
Remaining Term28 years, 5 months
Seller's equity (what you pay)
$52,362
Cash or secondary financing
Monthly savings
$157
Versus today's market rate
Est. savings per year
$2K
Versus today's market rate

About this home

Welcome to Bella Vista & this light-filled North Scottsdale residence featuring a private 1-car garage and spacious covered balcony overlooking one of the community pools. The open living area offers vaulted ceilings, abundant natural light, a gas fireplace & direct balcony access. The kitchen features generous cabinetry, breakfast bar, walk-in pantry and brand-new stainless steel appliances, while recently replaced flooring in the main living areas & primary suite adds a fresh, updated feel. The spacious primary suite features bay windows, walk-in closet, dual sinks, separate shower & soaking tub. A newer A/C installed in 2024 adds additional peace of mind. Bella Vista offers four resort-style pools, spas, fitness center, putting green, BBQ areas and walking paths, gated community.. Conveniently located near Loop 101, Kierland Commons, Scottsdale Quarter, TPC Scottsdale, WestWorld, dining and shopping. An ideal primary residence, lock-and-leave winter home or seasonal Arizona retreat.

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 $52,362. 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

Bedrooms2
Bathrooms2
Square feet1,338
Property typeSingle Family
MLS #7064564
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)
$2,467/mo
Source est. payment (PITI)
$2,901/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$52,362

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

$0$52,362
Additional funds needed$0

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