20312 Graham Street
California City, CA, 93505
$310,000
MLS: 26003171
Beds
3
Baths
2
Sq Ft
1,514
Lot
0.23 ac
Year Built
1990
MLS #
26003171
Days on Market
3
Listed
Apr 22, 2026
Description
Welcome to this immaculate 3 bedroom, 2 bath home with PAID FOR SOLAR (AND BATTERY BACKUP STORAGE). The kitchen has granite counters, a garden window, plenty of cabinets and a large pantry. The home features a double sided fireplace, tile floors, and large bedroom with spacious closets, The roof is less than two years old and it is located on a corner lot in an area of well-maintained properties. Also all appliances are included.
Location
California City, Kern County, CA 93505
Open on Google Maps ↗Listed by: Martha Jones · Coldwell Banker-A Hartwig Co.
Payment estimate
$2,389
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $31,000 · Loan: $279,000
- Principal & Interest
- $1,714
- Property tax (1%)
- $258
- Homeowners insurance
- $300
- Mortgage insurance
- $116
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 $10,850 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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