Properties / 113 W DESERT VISTA Trail
VA ASSUMABLERate: 6.5%

113 W DESERT VISTA Trail

$467,451
San Tan Valley, AZ 85143
3 beds3 baths1,975 sqftSingle Family
The assumable advantage
6.5%
VA assumed rate
$24,850 interest already paid off
Estimated Loan Balance$457,708
Cash to close$10,175
Est. Monthly PITI$3,189
Initial Loan Amount$460,671
Time on site50 days
Remaining Term29 years, 3 months
Seller's equity (what you pay)
$9,743
Cash or secondary financing
Monthly savings
$0
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

Beautifully updated home with a private backyard pool and modern upgrades throughout. The stylish kitchen features white shaker cabinetry, quartz countertops, a tile backsplash, matching appliances, and a walk-in pantry. Wood-look tile flooring, updated light fixtures, a spacious upstairs loft, and refreshed bathrooms add to the home's contemporary feel. Step outside to a resort-style backyard with an extended covered patio, sparkling pool, and mature palm trees, ideal for relaxing or entertaining. Located in the highly desirable Johnson Ranch community offering resort-style amenities including multiple pools and spas, tennis and pickleball courts, golf and disc golf, sports courts, and playgrounds.

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 $9,743. 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
Bathrooms3
Square feet1,975
Property typeSingle Family
MLS #6971815
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)
$2,917/mo
Source est. payment (PITI)
$3,189/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$9,743

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

$0$9,743
Additional funds needed$0

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