Greg Hammond

Greg Hammond

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$680,000

($252,932 down)
FHA

553 Center Street, Gonzales, CA 93926

3
1
1,585 sqft
PITI Monthly
$3,408.62 /mo

Listing courtesy of: Martin M. Mendez, Caminos Real Estate

Assumed Rate

3.62%
7.15%

Principal & Interest

$2,193 /mo
$3,250 /mo

What's Special

DINING
FIREPLACE
CHARMING
COZY

Welcome to this charming 3-bedroom, 1-bathroom home located in the heart of Gonzales. With 1,585 sq ft of living space, this residence offers a cozy and inviting atmosphere. The kitchen is well-equipped with tile countertops, an exhaust fan, a garbage disposal, and a gas oven range, making meal preparation a breeze. The home features a separate family room and a combination breakfast room and dining area in the living room, providing ample space for family gatherings. The flooring consists of hardwood, laminate, vinyl/linoleum, and wood, adding both style and durability. Stay comfortable year-round with central forced air heating and ceiling fans for cooling. Enjoy the warmth and ambiance of the fireplace in the living area. The convenience of an indoor laundry area adds to the home's practicality. The property is situated within the Gonzales Union Elementary School District. Additionally, a 2-car garage offers plenty of parking and storage space. With a minimum lot size of 6,200 sq ft, there's room for outdoor activities and gardening. Don't miss the opportunity to make this lovely Gonzales home your own!

... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
3.62
Remaining Loan Term
24 years, 6 months
Monthly PITI
$3,408.62/mo
Estimated Loan Balance
$432,438
Cash to close
$252,932
Interest Paid
$90,670

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 1
Cooling & Heating
  • Cooling: None
  • Heating: Unknown
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: LivingRoom
  • Flooring: Laminate, Wood

Exterior

Fencing
  • Fencing: Wood
Roof
  • Roof: Composition
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: PublicSewer
  • Water Source: Public
Pool
  • Has Pool: No
  • Pool Features: Unknown

Construction

Type & Style
  • Stories: 1
  • Home type: SingleFamilyResidence
  • Architectural Style: Ranch
Materials
  • Unknown
  • Roof: Composition
Condition
  • Year Built: 1946
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features: Unknown
HOA
  • Has HOA: No
Location
  • Region: Gonzales

Financial Details

  • Price per Sqft: $429.02
  • Tax Annual Amount: $8500
  • On Market Date: 2025-04-01T00:00:00.000Z
Inquire about this property

We will reach out to you with more details

Apply to Assume

Fill out an application to explore financing options for assuming this loan.

Apply now

Savings Calculator

Current cash to close is $252,932 (37%)
You can enter any amount below - secondary financing will cover the difference if needed.
37%
$

You cover the entire equity of $252,932!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage3.62% Sellers Rate
$427,068
Your Cash$252,932
Total Purchase Price:$680,000

Assumed vs Traditional Mortgage

Assumed @ 3.62%
$2,193/mo
Traditional @ 7.15%
$3,371/mo
You save $1,178/month ($14,134/year)

*Secondary financing rates are an estimated value based on input

MLS ID: ML82000484

Listing From:

Last updated: 2025-04-15T18:14:32.000Z

© , CRMLS. All rights reserved. Information deemed to be reliable but not guaranteed. The data relating to real estate for sale on this website comes in part from the Broker Reciprocity Program. Listing broker has attempted to offer accurate data, but buyers are advised to confirm all items. IDX information is provided exclusively for consumers’ personal, non-commercial use and that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed to be accurate. Listing information updated daily.

Assumed Rate

3.62%
7.15%

Principal & Interest

$2,193 /mo
$3,250 /mo
Inquire about this property

We will reach out to you with more details

Apply to Assume

Fill out an application to explore financing options for assuming this loan.

Apply now

Savings Calculator

Current cash to close is $252,932 (37%)
You can enter any amount below - secondary financing will cover the difference if needed.
37%
$

You cover the entire equity of $252,932!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage3.62% Sellers Rate
$427,068
Your Cash$252,932
Total Purchase Price:$680,000

Assumed vs Traditional Mortgage

Assumed @ 3.62%
$2,193/mo
Traditional @ 7.15%
$3,371/mo
You save $1,178/month ($14,134/year)

*Secondary financing rates are an estimated value based on input

Follow Us
UME Realty Group
Agent/Broker
Greg HammondUME Realty Group(480) 522-9318greg@umerealtygroup.comMLS

© Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Listing Service. Real estate listings held by brokerage firms other than UME Realty Group are marked with the Listing Service logo and detailed information about them includes the name of the listing brokers. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

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