20361 81st Street
California City, CA, 93505
$258,800
MLS: 26003046
Beds
3
Baths
2
Sq Ft
1,445
Lot
0.31 ac
Year Built
1990
MLS #
26003046
Days on Market
5
Listed
Apr 17, 2026
Description
Charming 3 bedroom 2 bathroom home with upgraded interior with fresh paint, quartz, countertops, and stainless steel appliances.
Location
California City, Kern County, CA 93505
Open on Google Maps ↗Listed by: Musa Wadud · West Coast Realty
Payment estimate
$2,044
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $25,880 · Loan: $232,920
- Principal & Interest
- $1,431
- Property tax (1%)
- $216
- Homeowners insurance
- $300
- Mortgage insurance
- $97
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 $9,058 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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