You pull up the driveway and it's quiet - no traffic noise, just open space and mountain views in the distance. The walkway leads you to the front door, and right away the layout makes sense. It's a split floor plan, so everything feels open without everyone being on top of each other. Inside flows easily and you can really see the potential to make it your own - but it's what's outside that really changes how you live here. Out back, the space opens up to a fully fenced yard with mature trees that have been there a while - real shade, not the kind you have to wait years for. There's room to move, room to add, or just room to breathe. If you've been thinking about having animals, it's already set up: two horse stalls, a chicken coop, and additional space for other livestock. You can picture mornings out here, taking care of animals, or evenings on the concrete patio when everything settles down and the mountains start to change color. The practical pieces are already handled too. There's a newer HVAC system in place, a shared well to help keep costs down, and a two car garage plus a four car driveway with plenty of space for vehicles, trailers, or toys. It's not just about having land - it's about actually using it. And this is the kind of place where that feels easy.
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 $260,685. 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.