21860 Bancroft Drive
California City, CA, 93505
$379,000
MLS: 26001725
Beds
4
Baths
3
Sq Ft
1,860
Lot
0.27 ac
Year Built
2025
MLS #
26001725
Days on Market
57
Listed
Feb 27, 2026
Description
Move-In Ready | Built in 2025 | USDA $0 Down Payment Eligible! 4 bedroom 3 full baths, paid off solar panels to reduced energy cost, refrigerator included, fully finished garage with 8' height garage door, tankless water heater, indoor laundry, sewer connected, water is a utility, fully fenced backyard, quartz countertops all, extra-large island with breakfast bar, includes all stainless-steel appliances: Refrigerator, stove, dishwater and microwave, new stove. Open concept for everyday living and entertaining, hardwood flooring, recessed lighting throughout the home, walk- in closets. Jack n Jill bathroom. Don't miss out this opportunity!
Location
California City, Kern County, CA 93505
Open on Google Maps ↗Listed by: Blanca Deleon · Keller Williams Realty A.V.
Payment estimate
$2,854
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $37,900 · Loan: $341,100
- Principal & Interest
- $2,096
- Property tax (1%)
- $316
- Homeowners insurance
- $300
- Mortgage insurance
- $142
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 $13,265 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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Local Market Stats
See California City, CA 93505 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
★#1 Producing Individual Realtor — Antelope Valley
Only large teams outsell Mike Watson · Keller Williams Realty
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