18617 N Kiva Dr Sun City, AZ 85373
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About this home
Beautiful complete remodel. VA assumable loan at 3.215. Seller may carry. New Luxury WPC Plank flooring throughout the entire home. Newly remodeled Kitchen with white and gray quartz countertops. Beautiful curb appeal with new shade trees in front of home. Must see this home. THIS IS THE ONE. 18617 N KIVA DRIVE, SUN CITY, AZ 85373 Upgrades and Amenities " New waterproof luxury vinyl plank flooring installed in 8/25 throughout the house with no thresholds to trip on. " A/C and new air ducts installed in 2022. Return air ducts also installed in both bedrooms and laundry room so that air will still circulate when doors are closed. The new air ducts are in the attic and registers are in the ceiling. " Both bathrooms completely remodeled with tiled showers in 2023 and 2024 and new toilet installed in master bath in 2024. " Painted inside and out in 2022/23. " All new kitchen appliances and quartz counter top installed in 2023. Bead board ceiling installed in kitchen in 3/23. Also included are chrome pull-out shelves in cabinets. " New water heater installed in 2022. Water heater drained and new heating elements installed in 8/25. " Carport has been partially enclosed in 2023 on south side " Upgraded patio roof in 3/23. " New 10' shade tree planted in front yard in 5/24. " 20' mature Saguaro Cactus, orange tree and lemon tree in back yard. " Roof on house and carport is 7 years old. " New wood decks in front of house in 2025. " New watering system installed in 2023 in front and back yards including watering to large flower planters in front yard. " Bottom line, this house is truly move-in ready.
Source: ARMLS #6921893
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FAQs
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.