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8140 Golf Vista Dr
Greencastle, PA 17225
Room to live, land to breathe. A 4,382 sq ft custom brick home on 1.14 acres in Greencastle Greens, with a private pool out back and the golf community right outside the door.
Greencastle Greens · Franklin County, PA · Private pool · MLS# PAFL2038464
Path 2 — The Low-Rate Path: 3-2-1 Buydown
Love the home. Let’s talk payment. Ask us about a creative offer with a 3-2-1 buydown — a lower payment rate for the first three years, stepping up to the full note rate in year four.
3.99% Year 1 payment rate* · $2,717.98/month principal & interest only, Year 1
| Period | Payment rate* | Monthly P&I | Monthly saving |
|---|---|---|---|
| Year 1 | 3.99% | $2,717.98 | $1,008.41 |
| Year 2 | 4.99% | $3,056.40 | $669.99 |
| Year 3 | 5.99% | $3,413.77 | $312.61 |
| Years 4–30 | 6.99% | $3,788.40 | — |
Savings compare against a $3,726.39/month payment at 7.25% on the list-price loan. Taxes, insurance, HOA and mortgage insurance are additional. The note rate is 6.99% throughout (7.210% APR) — the buydown lowers the payment rate, not the note rate. APR based on 800 FICO, 5% down payment, first-time homebuyer (FTHB). Rates as of November 8, 2026; rates subject to change.
How the offer works
- Build the creative offer: the scenario is illustrated at a $600,000 offer with 5% down ($30,000) and a $570,000 loan — the buydown funding is built into the offer structure.
- Fund the buydown: an estimated $26,124 funds the 3-2-1 buydown, holding the payment rate at 3.99% in year one, then 4.99% and 5.99% before it settles at the 6.99% note rate.
- Seller says yes: everything is subject to an acceptable offer, seller agreement and lender approval.
Path 1 — No Down Payment: $0 Down, 100% Financing Options
Keep your cash. Two routes can put you in this home with nothing down:
- Assistance & $0-down programs — state down payment assistance and $0-down VA / USDA options for buyers whose income qualifies. Seller help may stack on top with an acceptable offer.
- Creative 100% financing — if your income is over the program limits, ask about creative 100% financing with no income caps.
Before you count on $0 down: Path 1 eligibility is real but specific. VA $0-down is for eligible veterans; USDA $0-down may be possible in this part of Franklin County, but it is address- and income-specific and needs a property-level check first. State assistance carries its own income and program limits — and if you are over them, the creative 100% financing route has no income caps. Paul runs every one of those checks against this address and your file before anyone counts on a path.
Prefer to browse first? View Troy’s listings on Homes.com.
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.
