**Assumable FHA Loan at 4.00% Rate** Welcome to this beautifully designed home in The Villages at Rancho El Dorado. The inviting interior features an open layout with abundant natural light, a spacious kitchen with shaker-style cabinetry, quartz countertops, stainless-steel appliances, a center island, and pantry. Separate gathering and dining areas provide flexibility, while the upstairs loft offers additional room to relax or work. The primary suite includes a dual vanity, oversized shower, soaking tub, and walk-in closet. Outside, enjoy a private backyard with a swimming pool, covered patio, and RV gate with parking. A tandem garage provides exceptional storage. Residents also enjoy walking paths, green spaces, and playgrounds nearby. Parks, dining, and shopping are close by.
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.
You need to cover the seller's equity of $437,793. If you don't have that in cash, we can help structure secondary financing to cover the gap.
No — FHA loans require owner-occupancy. If you're an investor, ask us about our VA inventory.
Typically 45 days. The lender underwriting is 2–3 weeks, and the rest is standard closing.
Cash covers the gap between the price and the existing loan balance. Changing this amount does not change the existing mortgage payment.
P&I is principal and interest. PITI also includes estimated taxes and insurance. HOA fees and payments on any additional financing are separate.
Asking price minus remaining loan balance. Closing costs are additional.
The equity gap is covered. Closing costs and assumption fees still need to be confirmed.