20300 89th Street
California City, CA, 93505
$345,000
MLS: 26000348
Beds
4
Baths
2
Sq Ft
1,731
Lot
0.23 ac
Year Built
2026
MLS #
26000348
Days on Market
54
Listed
Jan 14, 2026
Description
Welcome to this Stunning New-Build Home! Enjoy Modern Upgrades throughout! The designer kitchen showcases a statement island with built-in wine fridge, perfect for entertaining. Enjoy beautifully landscaped outdoor spaces and the added value of fully paid solar, offering energy efficiency and long-term savings. This exceptional new construction home blends modern elegance with smart efficiency. An expansive open floor plan highlights upscale finishes throughout!
Location
California City, Kern County, CA 93505
Open on Google Maps ↗Listed by: Musa Wadud · West Coast Realty
Payment estimate
$2,625
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $34,500 · Loan: $310,500
- Principal & Interest
- $1,908
- Property tax (1%)
- $288
- Homeowners insurance
- $300
- Mortgage insurance
- $129
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 California City home with as little as 3.5% down using an FHA loan — roughly $12,075 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 93505 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 California City. Check your household income eligibility at eligibility.sc.egov.usda.gov.
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