1325 Bradford
Rosamond, CA, 93560
$370,000
MLS: SR25260017
Beds
3
Baths
2
Sq Ft
1,072
Lot
0.32 ac
Year Built
1992
MLS #
SR25260017
Days on Market
136
Listed
Nov 13, 2025
Description
Assumable FHA loan at 2.75% available. Welcome to this charming 3-bedroom, 2-bathroom starter home located on a quiet cul-de-sac in the heart of Rosamond, CA. The property sits on an oversized lot(14,037 sq ft) near the top of the hill. Inside, the dining area connects smoothly to the kitchen, creating a practical layout, and a sliding door leads directly to the patio and backyard. The home features central AC and laminate flooring installed throughout the entire house this year. With plenty of potential, this property is perfect for buyers who want to customize or renovate to their taste. An attached 2-car garage and an additional storage unit next to the home, ideal for tools & equipments. Conveniently located near schools, parks, shopping, and restaurants, and just minutes from Edwards AFB with excellent freeway access.
Location
Rosamond, Kern County, CA 93560
Open on Google Maps ↗Listed by: Francis Palacios · Equity Smart Real Estate Serv.
Payment estimate
$2,793
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $37,000 · Loan: $333,000
- Principal & Interest
- $2,046
- Property tax (1%)
- $308
- Homeowners insurance
- $300
- Mortgage insurance
- $139
Login required. The full tool supports FHA / VA / USDA, PMI by credit tier, lender fees, and total cash to close — with your inputs here carried over.
Today's Rates
As of Apr 23, 2026
- 30-year fixed
- 6.23%
- 15-year fixed
- 5.58%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this Rosamond home with as little as 3.5% down using an FHA loan — roughly $12,950 down. FHA loans feature flexible credit guidelines and government-backed rates, making homeownership accessible for buyers who haven't saved a large down payment. Seller concessions up to 6% of the purchase price are also allowed.
USDA Rural Development — 100% Financing＋
ZIP code 93560 qualifies for USDA Rural Development financing — 100% financing with no down payment for income-eligible buyers. USDA loans offer below-market interest rates and reduced mortgage insurance premiums, making this one of the most affordable paths to homeownership in Rosamond. Check your household income eligibility at eligibility.sc.egov.usda.gov.
Assumable Loan — Lock In a Below-Market Rate＋
This Rosamond property has an assumable mortgage, meaning a qualified buyer can take over the existing loan at its current interest rate — potentially far below today's market rates. Assumable financing can dramatically reduce your monthly payment and total interest cost over the life of the loan compared to qualifying for a new mortgage at prevailing rates. This is a rare and significant financial advantage; ask your agent for the current loan details.
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