Properties / 1373 S VISTA Avenue
FHA ASSUMABLERate: 6.26%

1373 S VISTA Avenue

$274,900
Florence, AZ 85132
4 beds2 baths1,450 sqftSingle Family
The assumable advantage
6.26%
FHA assumed rate
$13,765 interest already paid off
Estimated Loan Balance$262,962
Cash to close$11,938
Est. Monthly PITI$1,906
Initial Loan Amount$265,007
Time on site7 days
Remaining Term29 years, 3 months
Seller's equity (what you pay)
$11,938
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

Welcome to this charming single-level home in Western Crossing, offering 4 bedrooms, 2 bathrooms, a 2-car garage, and solar! Step inside to a bright, open layout featuring neutral finishes, tile flooring throughout the main living areas, and comfortable carpet in the bedrooms. The kitchen opens seamlessly to the living and dining areas and features stainless steel appliances, a pantry, crown-molded cabinetry, and a center island with breakfast bar seating. The spacious primary suite includes dual sinks and a walk-in closet. Outside, enjoy a large backyard with a covered patio and plenty of room to create your own outdoor retreat. Conveniently located near Hwy 287 with easy access to shopping, dining, and schools!

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 $11,938. 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

Bedrooms4
Bathrooms2
Square feet1,450
Property typeSingle Family
MLS #7075892
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)
$1,635/mo
Source est. payment (PITI)
$1,906/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$11,938

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

$0$11,938
Additional funds needed$0

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