Big Price Drop! Zero Down with No Mtg Insurance or a down payment closing cost program with a 600 or greater credit score, central AC what more can you want? This charming 3-bedroom, 2-bathroom home ideally situated in Oakland near the San Leandro border is waiting for you! Offering a comfortable and functional floor plan, this home features a warm and inviting living room with a cozy fireplace, perfect for relaxing or entertaining. The private primary suite serves as a peaceful retreat with direct access to its own patio—an ideal spot to enjoy your morning coffee or unwind at the end of the day. Step outside to the spacious backyard, where you'll find mature orange, plum, and cherry trees along with plenty of room for gardening, entertaining, or simply enjoying the outdoors. Additional highlights include a new central heating system and furnace, a single-car garage, and a convenient location close to shopping, dining, schools, parks, public transit, and major freeways. Enjoy an easy commute to San Francisco, Walnut Creek, and other Bay Area destinations. Whether you're a first-time homebuyer, downsizing, or looking for a centrally located property with charm and convenience.