Properties / 24914 N 176TH Avenue
FHA ASSUMABLERate: 6.42%

24914 N 176TH Avenue

$690,000
Surprise, AZ 85387
3 beds3 baths2,231 sqftSingle Family
The assumable advantage
6.42%
FHA assumed rate
$121,518 interest already paid off
Estimated Loan Balance$516,789
Cash to close$173,211
Est. Monthly PITI$4,106
Initial Loan Amount$539,427
Time on site21 days
Remaining Term26 years, 6 months
Seller's equity (what you pay)
$173,211
Cash or secondary financing
Monthly savings
$684
Versus today's market rate
Est. savings per year
$8K
Versus today's market rate

About this home

Resort-style 55+ living in Asante Heritage, North Surprise! This immaculate 2023 home boasts $25K+ in upgrades and too many features to list. Rare Garage Parking: Climate-controlled 15x48 RV garage (with back roll-up door with opener and RV cleanout) plus a 3-car tandem garage--fitting 5 vehicles total. Both feature epoxy floors, insulation, mini-splits, and EV pre-wiring. Gourmet Kitchen: 42-inch soft-close cabinets with pull-outs , granite counters, tile backsplash, pot filler, and upgraded appliances. Refined Interior: Low-maintenance tile, private den with built ins, and custom primary closet. Outdoor Oasis: Landscaped yard with pavers, artificial turf, 8x16 shed, and rain gutters. Resort Amenities: Heated pool, fitness center, and pickleball courts. Come tour your next home!

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 $173,211. 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
Bathrooms3
Square feet2,231
Property typeSingle Family
MLS #7069313
CountyMaricopa County
Assumable loanFHA
Tour this home
In person or virtual.
Prefer virtual tour?
Free · No commitment · Typical reply in 15 min
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)
$3,385/mo
Source est. payment (PITI)
$4,106/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$173,211

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

$0$173,211
Additional funds needed$0

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