Own for 0% Down + Low Interest Rate Assumable Mortgage! Stop renting and start building equity! This charming split-level sits on a sprawling lot and is located in a USDA-eligible area, meaning you could qualify for 100% financing. Better yet? The seller is open to an Assumable Mortgage, offering you a rare chance to skip today's high rates for something much more affordable. Inside, the living room welcomes you with beautiful bumped-out windows that flood the space with light and a cozy fireplace perfect for chilly evenings. The open layout ensures you’re always part of the conversation, with a clear view into the heart of the home where the cooking happens. Upper Level: Your private retreat featuring 3 bedrooms, 2 full baths, a dedicated laundry room, and a convenient linen closet. Lower Level offers flexibility at its best with a 4th bedroom (perfect for guests or an office), a mudroom to keep the Georgia red clay at bay, and garage access. This property is zoned to Fairplay Middle School and newly priced at $264,900, this isn’t just a home—it’s the smartest financial move you’ll make this year.