8432 Spirit
Chino, CA, 91708
$579,900
MLS: TR26015909
Beds
3
Baths
3
Sq Ft
1,573
Lot
0.02 ac
Year Built
2020
MLS #
TR26015909
Days on Market
42
Listed
Jan 22, 2026
Description
Newer end unit townhome with lots of builder premiums and finishing upgrades. Looks real nice. Upstairs are 2 levels with luxury vinyl plank floors. Level 2 has a half bath and a spacious dining area for formal gatherings and casual counter seating in the kitchen. The East facing living room boast great sunrise views and has covered patio access. There is a sonos speaker system that stays with the home on this level. On the 3rd level are 2 secondary bedrooms along with the main bedroom suite with nice sunrise views. Main bedroom has beautiful bathroom and of course the main bedroom has a huge walk-in closet. All bedrooms have carpeting and ceiling fans. There is laundry closet on this level. You will appreciate the long private driveway for 2 car parking as well as a massive garage for 2 more cars! This garage is so big there is room for 2 car parking "and" a gym or an indoor she shed! Great for family looking for extra storage. Yes, it's pre-wired for EV charger and home has paid off solar. There is a convenient public gazebo next to the home with nearby parks, trails and schools nearby. Plenty of shopping and restaurants within walking distance too.
Location
Chino, San Bernardino County, CA 91708
Open on Google Maps ↗Listed by: Henry Schumm · Home Based Realty
Payment estimate
$4,328
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $57,990 · Loan: $521,910
- Principal & Interest
- $3,207
- Property tax (1.25%)
- $604
- Homeowners insurance
- $300
- Mortgage insurance
- $217
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 Chino home with as little as 3.5% down using an FHA loan — roughly $20,297 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.
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