Fallbrook, CA 92028
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Sq Ft
Lot Size Sqft
Year Built
HOA
Type
Days on Market
Status
Balance
Loan Type
Years Left
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Your Downpayment
$86k
$149.2k
Assumable Loan
Balance
$635,784
Rate
5.27%
Monthly
$5,126
Estimated Monthly Payment
Principal $955
Interest $2,792
Tax & Ins $1,112
HOA $267
Save
vs. today's 6.89% rate
*Savings, rates, payments, and downpayments are estimates; specific figures may vary. Roots offers a service to help buyers find and purchase homes with assumable mortgages. Roots is not a lender and does not make lending decisions. All loan approvals and credit decisions are made independently by the lender, not by Roots.
Bedrooms & Bathrooms
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Interior Area
Parking
Property Features
Lot Details
Construction
Community & HOA
Financial & Listing Details
Assume a 3.5% FHA Loan — Subject to Lender Approval and Buyer Qualification Built in 2022 and thoughtfully maintained, this modern home in Fallbrook's Citro community delivers one of the most significant buying opportunities in the region: the chance to assume an existing FHA mortgage at just 3.5% interest — a financing advantage that could mean hundreds of dollars in monthly savings compared to current market rates. The open-concept main level flows seamlessly between the kitchen, dining, and living areas, designed for everyday comfort and easy entertaining alike, while a downstairs bedroom and full bath provide exceptional flexibility — perfect for guests, a home office, or multi-generational living arrangements. Upstairs, a spacious loft creates a natural second living space, whether you envision a media room, a dedicated remote-work setup, or additional family room, and the primary suite offers a well-appointed ensuite bath and generous walk-in closet. The fully owned solar system — owned, not leased — delivers meaningful, ongoing savings on monthly electricity costs and protection against rising utility rates, adding long-term value and lowering total cost of ownership from day one. The location is a standout: with direct access to I-15 and Highway 76, destinations throughout the region are all within reach — including Camp Pendleton, North County San Diego, Temecula, Riverside, and Oceanside — while Fallbrook's peaceful, small-town atmosphere awaits when you return home, and the Citro community's position just off the 15/76 interchange makes it one of the most conveniently located communities in the area. Beyond the home itself, Citro's resort-style amenities include 14 miles of maintained trails, playgrounds, parks, bocce ball, a clubhouse, a pool, BBQ areas, dog parks, and a working avocado and citrus grove that residents enjoy throughout the year. Assumable 3.5% FHA financing. Owned solar. Flexible floor plan. Prime North County location. Resort-level amenities — this home checks every box. Loan assumption subject to lender approval and buyer qualification. Equal Housing Opportunity.
High
Fallbrook
*Source: CRMLS. Data may be incomplete. Contact local school district to confirm exact zoning.
Car loans, credit cards, student loans, etc.
*Roots offers a service to help buyers find and purchase homes with assumable mortgages. Roots is not a lender and does not make lending decisions. All loan approvals and credit decisions are made independently by the lender, not by Roots.
On Market Since
March 23, 2026
Data Source
CRMLS #SW26021865
Listing Updated
4 hours ago
Roots Checked
25 days ago
Listed By
Ankoma Hose
eXp Realty of Southern California, Inc.
ca.south@exprealty.net
Information provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
