Properties / 5426 E Sandra Terrace
VA ASSUMABLERate: 4.48%

5426 E Sandra Terrace

$1,199,000
Scottsdale, AZ 85254
4 beds3 baths2,328 sqftSingle Family
The assumable advantage
4.48%
VA assumed rate
$248,005 interest already paid off
Estimated Loan Balance$1,262,749
Cash to close$0
Est. Monthly PITI$7,352
Initial Loan Amount$1,350,000
Time on site50 days
Remaining Term25 years, 10 months
Seller's equity (what you pay)
$0
Cash or secondary financing
Monthly savings
$189
Versus today's market rate
Est. savings per year
$2K
Versus today's market rate

About this home

Welcome home to this beautifully remodeled 4-bedroom, 2.5-bath home in the coveted 85254 zip code, offering no HOA and fully owned solar. Blending modern style with everyday comfort, this turnkey residence features a bright open floor plan designed for both relaxed living and effortless entertaining. Inside, the main living spaces are filled with natural light and enhanced by designer finishes and thoughtful updates throughout. The kitchen is a standout, featuring quartz countertops, custom cabinetry, stainless steel appliances, and a spacious island that opens seamlessly to the living and dining areas, creating the perfect flow for daily living and hosting alike. The spacious primary suite serves as a private retreat with a spa-like bath complete with dual vanities, a walk-in shower, and a generous walk-in closet. Three additional bedrooms offer flexibility for family, guests, or a home office. Step outside to a lush backyard oasis with a covered patio and sparkling pool, perfectly suited for true Arizona indoor-outdoor living and year-round enjoyment. Ideally located near top-rated schools, premier shopping, dining, golf, and convenient freeway access, this exceptional property offers outstanding versatility. Whether you are seeking a stylish primary residence, a lock-and-leave second home, or an investment property suitable for short-term or long-term rental use, this home checks all the boxes in one of the area's most desirable locations.

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 $0. 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

Bedrooms4
Bathrooms3
Square feet2,328
Property typeSingle Family
MLS #7016006
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)
$6,882/mo
Source est. payment (PITI)
$7,352/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

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

Confirm the current loan balance and equity requirement with an agent before estimating cash needed.