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OverviewWhat's SpecialLocationAssumption SnapshotFacts & Features
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Closed
Closed

$735,000

($230,429 down)
FHA

321 North Ln, El Cajon, CA 92021

3
2
1,260 sqft
PITI Monthly
$2,790.84 /mo

Listing courtesy of: Nick Yates, Team Z Realty

Assumed Rate

3.76%
7.15%

Principal & Interest

$2,276 /mo
$3,316 /mo
$55,318 in interest paid off

What's Special

FRESH PAINT
SPACIOUS
DECK
PATIO
CHARMING
EFFICIENT
Welcome Home to Your New Sanctuary! Discover the perfect blend of comfort and convenience in this beautifully updated residence, nestled in the
peaceful neighborhood of Crest in El Cajon. This charming home features a spacious layout with 1,260 sq ft on a quarter acre. This home offers plenty
of room for both relaxing and entertaining. Recently updated with new carpet and fresh paint, including a sleek kitchen with quartz countertops, ample
cabinetry, and energy-efficient windows. The property boasts three generously sized bedrooms and two bathrooms as well as a bonus sp... Show more
... Show more

Assumption Snapshot

Type of Loan
FHA
Interest Rate
3.76
Remaining Loan Term
26 years, 11 months
Monthly PITI
$2,790.84/mo
Estimated Loan Balance
$470,180
Cash to close
$230,429
Interest Paid
$55,318

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 2
Cooling & Heating
  • Cooling: None
  • Heating: Fireplaces, SeeRemarks
Features
  • Materials: Stucco
  • Community: Unknown
  • Has Fireplace: No
  • Fireplace Features: Unknown
  • Flooring: Unknown

Exterior

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

Construction

Type & Style
  • Stories: 1
  • Home type: SingleFamilyResidence
  • Architectural Style: Unknown
Materials
  • Stucco
  • Roof: Shingle
Condition
  • Year Built: 1958
Details
  • Builder:

Community & HOA

Community
  • Subdivision:
  • Features: Unknown
HOA
  • Has HOA: No
Location
  • Region: El Cajon

Financial Details

  • Price per Sqft: $583.33
  • Tax Annual Amount: $
  • On Market Date: Aug 30, 2024
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Savings Calculator

Current cash to close is $230,429 (31%)
You can enter any amount below - secondary financing will cover the difference if needed.
31%
$
0%20%50%

You cover the entire equity of $230,429!

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

Loan Breakdown

Assumed Mortgage3.76% Sellers Rate
$504,571
Your Cash$230,429
Total Purchase Price:$735,000

Assumed vs Traditional Mortgage

Assumed @ 3.76%
$2,276/mo
Traditional @ 7.15%
$3,439/mo
You save $1,163/month ($13,957/year)

*Secondary financing rates are an estimated value based on input

MLS ID: 240020674SD

Listing From:

Last updated: Dec 05, 2024 03:46am

© 2025, 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

3.76%
7.15%

Principal & Interest

$2,276 /mo
$3,316 /mo
$55,318 in interest paid off
Inquire about this property
​
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​
​
​

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 $230,429 (31%)
You can enter any amount below - secondary financing will cover the difference if needed.
31%
$
0%20%50%

You cover the entire equity of $230,429!

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

Loan Breakdown

Assumed Mortgage3.76% Sellers Rate
$504,571
Your Cash$230,429
Total Purchase Price:$735,000

Assumed vs Traditional Mortgage

Assumed @ 3.76%
$2,276/mo
Traditional @ 7.15%
$3,439/mo
You save $1,163/month ($13,957/year)

*Secondary financing rates are an estimated value based on input

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May, 16 2025

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