Back on Market at no fault of the property. Previous buyer was unable to qualify for the loan assumption, creating a second chance to take advantage of one of the best financing opportunities available in today's market. Rare opportunity to assume the seller's FIXED 2.75% interest rate loan and potentially save hundreds of dollars per month compared to current market rates. Whether you're a homeowner looking to maximize affordability or an investor seeking stronger cash flow, this assumable loan is a game-changing advantage. Why pay extra for upgrades in new construction when they're already included here? Built just four years ago and beautifully maintained, this like-new 4-bedroom, 2.5-bath + loft home offers 1,919 sq ft of modern living space with features that many builders charge extra for, including owned solar, window coverings, a finished, backyard, and an EV-ready setup. The thoughtfully designed floor plan features an open-concept layout, spacious living areas, and a versatile loft ideal for a home office, media room, second living space, or play area. Energy-efficient features and owned solar provide immediate savings and long-term value from day one. Additional highlights include a second set of laundry hookups in the garage, offering flexibility for multi-generational living, rental potential, or customized use of space. Step outside to a completed low-maintenance backyard, already finished and ready to enjoy without the added expense and hassle often associated with new construction. Conveniently located near UC Merced, Mercy Medical Center, shopping, dining, and Lake Yosemite, this home combines modern comfort, location, and exceptional financial advantages. Move-in ready, upgraded, and featuring a rare assumable 2.75% loan. Opportunities like this don't come along often.