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$550,000

($206,268 down)
FHA

31 Ramona Way, Tracy, CA 95376

3
2
1,216 sqft
PITI Monthly
$2,658.86 /mo

Listing courtesy of: Teresa Le, Bridgegate Real Estate

Assumed Rate

3.16%
7.15%

Principal & Interest

$1,648 /mo
$2,587 /mo

What's Special

DINING
SPACIOUS
PATIO

Spacious, Upgraded Home with RV Parking & Solar. Endless Potential on a Generous Lot! Welcome to your next home - a fantastic opportunity for buyers seeking a well-updated home on a spacious 8,159 sq ft lot, with ADU potential, within a well-maintained neighborhood. Features include RV parking, a 2-car garage, new carport, covered patio, brand-new roof (5 yrs), fresh interior paint throughout, tile flooring, new oven & hood range, and central A/C with ceiling fans in every bedroom for year-round comfort. Enjoy huge energy savings with a 33-panel solar system - potentially zero electricity bills, PG&E buyback, and an option to add an EV charging station for even more eco-friendly value! PG&E costs are unpredictable while solar energy offers greater control and potential for reduced costs in the long run. Perfectly located just minutes from West Valley Mall, top dining options, grocery stores, and with easy freeway access, this home offers the lifestyle you've been looking for - versatile, stylish, and sustainable. Don't miss out on this exceptional opportunity.

... Show more

Assumption Snapshot

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Assumption Snapshot

Type of Loan
FHA
Interest Rate
3.16
Remaining Loan Term
25 years, 4 months
Monthly PITI
$2,658.86/mo
Estimated Loan Balance
$345,212
Cash to close
$206,268
Interest Paid
$53,760

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 2
Cooling & Heating
  • Cooling: CentralAir
  • Heating: Central
Features
  • Materials: Unknown
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: WoodBurning
  • Flooring: Tile

Exterior

Fencing
  • Fencing: Wood
Roof
  • Roof: Shingle
Parking
  • Garage: Yes
  • Garage Spaces: 2
  • Carport: Yes
  • Carport Spaces:
Water
  • Sewer: PublicSewer
  • Water Source: Public
Pool
  • Has Pool: No
  • Pool Features: None

Construction

Type & Style
  • Stories: 1
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Unknown
  • Roof: Shingle
Condition
  • Year Built: 1969
Details
  • Builder:

Community & HOA

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

Financial Details

  • Price per Sqft: $452.3
  • Tax Annual Amount: $6875
  • On Market Date: 2025-04-24T00:00:00.000Z
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Savings Calculator

Current cash to close is $206,268 (38%)
You can enter any amount below - secondary financing will cover the difference if needed.
38%
$

You cover the entire equity of $206,268!

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

Loan Breakdown

Assumed Mortgage3.16% Sellers Rate
$343,732
Your Cash$206,268
Total Purchase Price:$550,000

Assumed vs Traditional Mortgage

Assumed @ 3.16%
$1,648/mo
Traditional @ 7.15%
$2,683/mo
You save $1,035/month ($12,423/year)

*Secondary financing rates are an estimated value based on input

MLS ID: ML82001271

Listing From:

Last updated: 2025-04-24T19:20:52.000Z

© , 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

3.16%
7.15%

Principal & Interest

$1,648 /mo
$2,587 /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

Upgrade to gain access

Get Access

Savings Calculator

Current cash to close is $206,268 (38%)
You can enter any amount below - secondary financing will cover the difference if needed.
38%
$

You cover the entire equity of $206,268!

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

Loan Breakdown

Assumed Mortgage3.16% Sellers Rate
$343,732
Your Cash$206,268
Total Purchase Price:$550,000

Assumed vs Traditional Mortgage

Assumed @ 3.16%
$1,648/mo
Traditional @ 7.15%
$2,683/mo
You save $1,035/month ($12,423/year)

*Secondary financing rates are an estimated value based on input

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UMe Realty Group © is committed to and abides by the Fair Housing Act of Equal Opportunity.