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25324 Highfield Rd
Cascade, MD 21719
A one-level rancher in Cascade at the lowest price point in this set — livable as-is, with room for a handy buyer to build value over time. At $269,000 it is also the strongest candidate here for a $0-down structure.
For Sale · Cascade, Maryland · Rancher · One-level living
Path A — $0 Down: How the Two Tiers Work
Cascade is rural Washington County, which makes this home the strongest $0-down candidate in the set. The $0-down path works in two tiers, plus VA and USDA where they fit. Every path is for qualified buyers only and needs an eligibility check before anyone counts on it — Paul can run that check for this exact address.
- Tier 1 — MMP-type programs, if income qualifies: 100% financing / $0-down options based on Maryland Mortgage Program type programs, if your household income qualifies. At $269,000, this home sits well under MMP loan limits. Seller help may also apply with an acceptable offer.
- Tier 2 — Creative 100% financing, no income caps: if program income limits are the only thing standing in the way, creative 100% financing options with no income caps can still get qualified buyers in with $0 down.
- VA & USDA: eligible veterans can buy with VA $0 down and no income cap; USDA $0-down may fit this rural address, subject to address and income eligibility.
Path B — Lowest Starting Payment: The 3-2-1 Buydown
Special financing with rates starting as low as 3.99% — $1,272.92/month principal & interest in Year 1. This path does require a down payment — 5% down in the scenario below. Built on an assumed $281,000 offer with $12,000 toward funding the buydown and a $266,950 loan.
| Period | Payment rate* | Monthly P&I | You save / mo |
|---|---|---|---|
| Year 1 | 3.99% | $1,272.92 | $470.38 |
| Year 2 | 4.99% | $1,431.41 | $311.89 |
| Year 3 | 5.99% | $1,598.78 | $144.52 |
| Years 4–30 | 6.99% | $1,774.23 | — |
Taxes, insurance, HOA and mortgage insurance are additional.
How this scenario is built — simply
- Start at list: $269,000 list price. At 5% down, the base loan is $255,550 — a $1,743.30/month comparison payment at 7.25%.
- Build the creative offer: an assumed $281,000 offer, with $12,000 toward funding the buydown — structured for an offer the seller may be open to.
- Payments on the new loan: 5% down is $14,050, for a $266,950 loan, at 3.99% / 4.99% / 5.99% / 6.99%.
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.
