Own this home with no down payment required. This property qualifies for USDA and FHA solar+ financing, making homeownership attainable. This well-maintained home is located in an area eligible for a 100% USDA Zero-Downpayment Loan, providing a chance to buy a move-in ready home without the financial burden of a down payment. The home features a bright, open layout on a single level, designed for easy living. Positioned in the center of Churchton, this 3-bedroom coastal rambler includes a combined kitchen and dining area, spacious bedrooms, central air conditioning, public sewer, and a sizable third of an acre backyard well suited for summer gatherings. The property has been well cared for, allowing for immediate occupancy without significant renovations. Enjoy a tranquil, water-oriented lifestyle, just 1 to 2 miles from two popular waterfront locations: Franklin Point State Park, which offers over 470 acres of protected marsh, hiking trails, and wildlife viewing along the West River and Chesapeake Bay, and Jack Creek Park, which features walking trails, a secluded beach, and a launch site for kayaking, canoeing, and paddleboarding. Spend weekends enjoying boating, crabbing, or fishing, with convenient public boat launches, local marinas, and waterfront dining nearby. Experience the tranquility of a close-knit coastal community while still having an easy commute to Joint Base Andrews, the Annapolis waterfront, and the Washington Beltway, all without the hassle of an HOA.