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$259,400

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© 2026 Veribas Real Estate LLC · (833) 837-4227 · Georgia Broker Lic. H-81905 · Qualifying Broker: Ahsan Charania, GREC #417366. Veribas Real Estate LLC is a licensed Georgia real estate brokerage. We are not a lender or mortgage loan originator; all financing is provided by independent NMLS-licensed lenders, and payment figures on this site are estimates only. Listing information is deemed reliable but not guaranteed and should be independently verified. We are committed to the federal Fair Housing Act and the Equal Credit Opportunity Act.

Offer insights

Choose an offer strength

List price: $259,400

$257K–$259K

70% to 90% chance of a winning offer

Just under asking — competitive when the home is fresh.

171 days on market — sitting listings negotiate. A moderate offer here does more than these odds suggest.

Veribas Valuation: $251,000 — asking sits above our value; a moderate offer is defensible with comps.

Balanced-market odds from list price and typical winning offers — your agent tunes this to the street. Ask a Veribas agent before you commit a number.

Payment calculator

$1,850/mo

Principal, interest & taxes · $1,926/mo with home insurance

Principal & interest$1,591

Property taxes$259

Home insurance$76

Down payment$25,940 (10%)

Interest rate7.240%

Starts at today’s national average for a 30-year fixed, 7.24% (week of Oct 29). Not an APR or a loan offer. Estimates only — taxes at 1.2%/yr and insurance at 0.35%/yr of price. Get exact terms from a lender via pre-qualification.

Assumable loan?

If the seller has an FHA, VA or USDA mortgage, you may be able to take it over and keep their rate, often far below today’s. This listing doesn’t say. Ask, and a Veribas agent will check the seller’s loan and tell you the rate, the balance and what you’d need down.

Advertised rate

5.99%*

Lender and loan term not stated: ask the builder’s lender

“Ask about Keystone's forward commitment program offering FHA rates as low as 5.99% to qualified buyers.”

From the listing remarks, Brown Realty Company.

*Rates are quoted from the builder's or listing brokerage's own MLS remarks and dated to the listing. They are not an offer of credit from Veribas and are not an APR. Rate, APR, eligibility, down payment and deadlines are set by the lender named and may have changed; ask the lender for current terms. Payments shown include principal, interest and estimated property taxes only; homeowners insurance, mortgage insurance and HOA dues are extra, so the actual payment will be higher.

Down payment assistance

Upper-income census tract 13279970302 · Toombs County · FFIEC 2026

Georgia Dream down payment assistance

Up to $10,000 or 5% of the price · Deferred loan (0% — repaid on sale, refinance or payoff)

For down payment. First-time buyers only. 640+ credit score. Ends Dec 31, 2026.

The State of Georgia's program (Georgia DCA), offered through Southeast Mortgage. A 0% second mortgage with no monthly payment covers 5% of the price up to $10,000 (6% up to $12,500 for nurses, educators, public protectors and households with a disabled member); repaid when you sell, refinance or move out. First-time buyers (no home in 3 years; waived in targeted areas and for veterans), household income and price limits by county, 640+ credit, $1,000 of your own money, homebuyer education. Source: dca.georgia.gov and southeastmortgage.com/uga (checked 2026-09-24).

Chenoa Fund down payment assistance

5% of the price · Forgivable loan (forgiven after a set time in the home)

For down payment. 600+ credit score. Ends Dec 31, 2026.