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12049 Little Antietam Road
Smithsburg, MD 21783
Love the home. Let’s talk payment. Two ways in: $0 down payment options, or special financing with rates starting as low as 3.99% for qualified buyers. Talk to our team about what fits you. Call Liz at (301) 401-3021.
16 days on market · as of Nov 8, 2026 · No HOA · 1-car garage
Section 1 — Lowest Payment: The 3-2-1 Buydown
A seller-funded temporary buydown, structured into a creative offer. Your payment starts low and steps up once a year for three years. Subject to an acceptable offer, seller agreement and lender approval.
3.99% Year 1 payment rate* · $1,490.36/month principal & interest
| Period | Payment rate* | Monthly P&I |
|---|---|---|
| Year 1 | 3.99% | $1,490.36 |
| Year 2 | 4.99% | $1,675.93 |
| Year 3 | 5.99% | $1,871.89 |
| Years 4–30 | 6.99% | $2,077.30 |
Taxes, insurance, HOA and mortgage insurance are additional.
How the scenario is built
- Creative offer price: $329,000 (list price $315,000 + buydown funding).
- 5% down: $16,450 · Loan: $312,550 · 30-year fixed at a 6.99% note rate.
- Buydown funding requested: $14,000 (estimated buydown cost $14,325).
- Comparison payment: $2,041.41/month at 7.25% on the $299,250 base loan (95% of the $315,000 list price).
APR 7.210% — Based on an 800 credit score, 5% down payment, first-time homebuyer. Rates as of November 8, 2026. Rates subject to change without notice. The buydown scenario above carries a 6.99% note rate; see the full disclosure below for full terms.
Section 2 — $0 Down, 100% Financing
For qualified buyers. Two paths to buy this home with no down payment of your own, plus an option for eligible veterans. Paul will check which path fits you.
- Path 1 — Maryland Mortgage Program (MMP) assistance: buy with $0 down if your income qualifies. MMP assistance can cover your down payment, so qualified buyers can get in without saving a down payment first. Best first check for buyers whose income falls within program limits.
- Path 2 — Creative 100% financing, NO income caps: income too high for MMP? Creative 100% financing options with no income caps, for qualified buyers.
- VA buyers: $0 down, no income cap, for qualified buyers with VA eligibility.
Seller help may also apply with an acceptable offer. Talk to Liz and Paul about how an offer can be structured for this home.
Why This Home Stands Out
- Totally renovated brick rancher — built 1955, remodeled in 2026.
- New roof, windows and HVAC, with red oak floors and a quartz kitchen.
- 0.96 acre, no HOA — room to breathe in Smithsburg, with a 1-car garage.
- 1,064 sq ft above grade (2,128 sq ft total) — 2 beds, 1 bath, taxes $2,035.
- At 16 days on market and priced to move, this is a strong candidate for either path above.
How the Creative Offer Works
See the house and the neighborhood in person.
Go through the 3-2-1 buydown and the $0-down paths for this house, line by line.
The financing is structured into the offer, subject to an acceptable offer, seller agreement and lender approval.
Two Flyers for This Home
One for each path. Open either full size or save it to share.
