VA loan
30-day close
1 of 37
VA loan
30-day close
$539,999

2540 N Yellow Flower Trl, Tucson, AZ 85715

5 beds · 3 baths · 2,389 sqft

Welcome to Red Adobe Pass, a tranquil gated community offering both privacy and convenience to premier amenities. Built in 2005, this exquisite Pepper Viner home boasts 2,389 square feet of living space, featuring five bedrooms plus a loft, three full bathrooms, and a two-car garage with epoxy flooring. The home is move-in ready, complete with a covered patio, landscaped backyard, and a sparkling pool!Upon entering through the foyer, you'll immediately notice the beautiful concrete floors and freshly painted interior in neutral tones. The home showcases breathtaking vaulted ceilings, a grand great room with a gas fireplace, and a dedicated dining space. The kitchen is designed for entertaining, offering a breakfast bar, ample counter space, and stainless steel appliances (including a brand-new LG refrigerator)! Located on the ground level, the primary suite features double vanities, a separate soaking tub and shower, a spacious walk-in closet, and direct access to the backyard. The split floor plan also includes two guest rooms on the main level (one of which can serve as a den or office), a full bathroom, and a laundry room. Upstairs, you'll find two additional bedrooms, another full bathroom, and a versatile loft space. Northeast Tucson offers stunning mountain views and an unparalleled lifestyle. Within minutes, you can explore Catalina Highway, Mount Lemmon, Sabino Canyon, and Redington Pass. Enjoy the beauty of Saguaro National Park East, McDonald Park, and Udall Park, as well as some of the area's best golf courses, shopping, dining, and more!

Estimated
Seller's interest rate
2.625%
7%
Estimated
Principal & interest
$1,475/mo.
$2,307
You may also save up to $254,610 in total interest paid.
Listing price
$539,999

Your cash down payment
$211,199
Seller’s estimated current equity is $211,199
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $1,475 monthly payment

Financed
$328,799
Assumed mortgage 2.625% • Seller's rate
$328,799
2nd mortgage 9.25% • No prepay penalty
$0

Interest rate and monthly payment estimated based on public records.

Location
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Details
Home
Size
2,389 sqft
Lot size
0.13 acres
Year built
2005
Type
Single Family Residence
HOA dues
$0.00

Source: SOUTHAR #22505283

Loan
Remaining term
25 yrs and 6 mos
Rate
2.625%
Monthly P&I
$1,475
Remaining loan balance
$328,799

Source: Public records

Who can qualify

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%. 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.

Other resources
Frequently asked questions

What is Roam?

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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.

What is an assumable mortgage?

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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.

Why is an assumable mortgage valuable?

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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.

How can you find assumable mortgage listings?

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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 “Get Notified” 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.

How do I qualify for an assumable mortgage?

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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.

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Last updated: Mar 17, 2025 12:42 am
Listing agent: Alyssa Trimmel-Jones (440) 225-4463
Listing provided courtesy of: Keller Williams Southern Arizona (520) 615-8400
Details provided by SOUTHAR and may not match the public record.
MLS ID: #22505283
The data relating to real estate listings on this website comes in part from the Internet Data Exchange (IDX) program of Multiple Listing Service of Southern Arizona. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Listings provided by brokerages other than Everystate are identified with the MLSSAZ IDX Logo. All Information Is Deemed Reliable But Is Not Guaranteed Accurate. Listing information Copyright © 2025 MLS of Southern Arizona. All Rights Reserved.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.
Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 30 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.
$1,475/mo
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