40054 Ridgemist Street
Palmdale, CA, 93591
$413,900
MLS: SR26004488
Beds
4
Baths
2
Sq Ft
1,343
Lot
0.51 ac
Year Built
1978
MLS #
SR26004488
Days on Market
64
Listed
Jan 7, 2026
Description
***Upgraded Lake LA RV Ranch Home!*** All NEW Appliances - NEW Kitchen Cabinetry With Crown Molding - New Quartzite Countertops - NEW Wood Laminate Flooring Throughout - New Window Coverings - New AC And Ducting!! Or Choose To Use Central Evaporative Cooler - New Furnace - New Paint Throughout -New Water Heater - New Vanities In Bathrooms - New Lighting - Cozy Wood Burning Fireplace In Family Room - All This And More Placed Nicely Between The Buttes!! Stargazers' Delight! Act Quickly While Still Available!
Location
Palmdale, Los Angeles County, CA 93591
Open on Google Maps ↗Listed by: Stephen Becker · Steve Becker, Broker
Payment estimate
$3,175
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $41,390 · Loan: $372,510
- Principal & Interest
- $2,289
- Property tax (1.25%)
- $431
- Homeowners insurance
- $300
- Mortgage insurance
- $155
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 Palmdale home with as little as 3.5% down using an FHA loan — roughly $14,487 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 93591 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 Palmdale. Check your household income eligibility at eligibility.sc.egov.usda.gov.
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