← Back to Troy Yates’s listings
2753 Town View Cir
New Windsor, MD 21776
A like-new, three-level townhome with room to spread out — 3 beds, 3.5 baths and 2,300 sq ft at $399,999 in Carroll County. The financing strategy below is built specifically for this price point, with two ways in: keep your cash with $0-down options, or start far below the full rate with the 3-2-1 buydown.
Like-new townhome · New Windsor, MD · Carroll County
Path 2 — Lowest Payment: The 3-2-1 Buydown
Start at 3.99% — $1,893.52 a month in Year 1. A seller-funded 3-2-1 buydown, structured into an acceptable offer, steps this loan down for the first three years instead of starting at the full rate. Subject to an acceptable offer.
3.99% Year 1 payment rate · $1,893.52/month principal & interest
| Period | Rate | Payment | You save |
|---|---|---|---|
| Year 1 | 3.99% | $1,893.52 | $698.74/mo |
| Year 2 | 4.99% | $2,129.29 | $462.97/mo |
| Year 3 | 5.99% | $2,378.26 | $214.00/mo |
| Years 4–30 | 6.99% | $2,639.24 | Full rate |
Savings shown vs. the 7.25% comparison payment of $2,592.26/mo. Every figure is principal and interest on this home's scenario loan of $397,099.
How the offer is structured
- Offer $417,999 — above the $399,999 list price, subject to an acceptable offer.
- $18,000 funds the buydown — set aside at closing to buy the rate down to 3.99% in Year 1, stepping up 1% a year for three years.
- 5% down, loan $397,099 — the buyer brings $20,900 down (5%) and finances $397,099, with payments starting at $1,893.52 a month.
- Note rate after buydown: 6.99%.
APR disclosure, as of November 8, 2026: For the 3-2-1 buydown scenario shown, the APR is 7.210%. This APR is based on an 800 FICO credit score, 5% down payment, and a first-time homebuyer (FTHB). Rates subject to change without notice and subject to borrower qualification and approval.
Path 1 — Could You Buy It with $0 Down?
Yes, there are real ways in with no down payment on this home. At $399,999 in New Windsor, 2753 Town View Cir is one of the strongest $0-down candidates on Troy's list — and seller help can be layered in with an acceptable offer. Four paths are worth checking:
- Maryland MMP — if income qualifies (100% financing): Maryland Mortgage Program assistance can cover the down payment for eligible Maryland buyers whose income qualifies, and $399,999 sits well under program limits. This is the first check Paul runs.
- Creative 100% financing — no income caps ($0 down): income over the MMP limits? Creative 100% financing options with no income caps can still get you in with $0 down, subject to qualification.
- USDA Rural Development ($0 down): New Windsor's rural Carroll County location makes USDA plausible for this address. Income limits and an address-level eligibility check apply.
- VA loan ($0 down): for eligible veterans, active-duty service members and surviving spouses — no down payment and no monthly mortgage insurance.
How the two paths fit together: pick $0 down to keep your cash, or pick the 3-2-1 buydown above for the lowest payment — that path is illustrated at 5% down ($20,900). A $0-down structure changes the loan amount and payments, and no specific assistance dollar amount is promised here — Paul can run your exact version and confirm which program you qualify for.
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.
