Properties / 25821 N 41ST Drive
FHA ASSUMABLERate: 6.3%

25821 N 41ST Drive

$539,900
Phoenix, AZ 85083
3 beds2 baths1,546 sqftSingle Family
The assumable advantage
6.3%
FHA assumed rate
$7,793 interest already paid off
Estimated Loan Balance$494,317
Cash to close$45,583
Est. Monthly PITI$3,643
Initial Loan Amount$495,250
Time on site0 days
Remaining Term29 years, 9 months
Seller's equity (what you pay)
$45,583
Cash or secondary financing
Monthly savings
$116
Versus today's market rate
Est. savings per year
$1K
Versus today's market rate

About this home

Nestled within the sought after Stetson Hills community, this beautifully upgraded home is move-in ready with thoughtful renovations throughout. Inside you will find vaulted ceilings and a bright, open layout complemented by new wood-look flooring, fresh interior paint, updated cabinetry, new lighting and more. The split primary suite offers a private retreat, complete with a spa-like bathroom featuring dual vanities, a soaking tub, separate shower and spacious walk-in closet. The backyard is a private oasis designed for both relaxation and entertaining, featuring a sparkling PebbleTec pool with a soothing water feature and warm bistro lighting to set the ambiance against serene mountain views. Low-maintenance artificial turf enhances the desert landscaping, while an irrigation system make caring for the surrounding plants effortless. The spacious 2.5-car garage provides built-in storage, a workbench, and additional attic space. Adding even more value and peace of mind, the home features a brand-new roof backed by a 14-year transferable warranty, along with an HVAC system installed approximately six years ago. Beyond the home, the neighborhood offers playgrounds and convenient access to the scenic Deem Hills Recreation Area, where miles of hiking and biking trails showcase the surrounding desert and mountain landscape. Nearby Deem Hills Community Park offers basketball, volleyball, tennis, and pickle ball courts, along with a dog park. Happy Valley Towne Center and The Shops at Norterra are just minutes away, providing an abundance of shopping, dining, entertainment, and everyday conveniences, while TSMC is approximately 15 minutes away. Peaceful, beautifully updated, and surrounded by mountain scenery, this Stetson Hills residence is ready to welcome its next owners.

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 $45,583. 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

Bedrooms3
Bathrooms2
Square feet1,546
Property typeSingle Family
MLS #7071955
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)
$3,068/mo
Source est. payment (PITI)
$3,643/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$45,583

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

$0$45,583
Additional funds needed$0

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