$3,999 down payment with monthly P&I payments of $1,852. With rate of 3.75% 30 year fixed FHA loan.620 FICO to qualify. Easy to make this yours, not a bank owned REO or short sale. Private seller/ OK for Exchange. Beautiful upgrades include new paint, appliances, granite counters & tile floors. New carpet, family room off kitchen, open floor plan & roomy backyard.