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2070 Pomona Way
Frederick, MD 21702
Love the home. Let’s talk payment. Two ways in: $0 down payment options, or special financing with rates starting as low as 3.99% for qualified buyers.
13 days on market · as of Nov 8, 2026 · Near Fort Detrick · No HOA
Path 1 — No Down Payment
$0 DOWN — 100% financing options. MMP-type & $0-down programs: Maryland MMP and other assistance-based $0-down options, if your household income qualifies. Income too high? Creative 100% financing with NO income caps, for qualified buyers. VA buyers: $0 down, no income cap, for qualified buyers with VA eligibility.
Five bedrooms, built in 2022, minutes from Fort Detrick — this home fits a VA buyer who wants newer construction without the new-build wait. Paul can run Path 1 against the Path 2 buydown scenario, so you can see which one serves you better.
Path 2 — Lowest Payment: The 3-2-1 Buydown
Rates starting as low as 3.99% with a seller-funded 3-2-1 buydown. This path does require the down payment (5% down in the scenario below). In return, your Year 1 payment rate starts at 3.99% and steps up over three years before settling at the note rate.
3.99% Year 1 payment rate* · $2,958.07/month principal & interest
| Period | Payment rate* | Monthly P&I |
|---|---|---|
| Year 1 | 3.99% | $2,958.07 |
| Year 2 | 4.99% | $3,326.38 |
| Year 3 | 5.99% | $3,715.32 |
| Years 4–30 | 6.99% | $4,123.04 |
Taxes, insurance, HOA and mortgage insurance are additional.
How the Creative Offer Works
See the house and the neighborhood in person.
Go through the 3-2-1 buydown and the $0-down paths for this house, line by line.
The financing is structured into the offer, subject to an acceptable offer, seller agreement and lender approval.
Two Flyers for This Home
One for each path. Open either full size or save it to share.
