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Financing available

$245,000

103 Ross Street W, Sulphur Springs, TX 75482

3
beds: 2
baths: 1,470
sqft

Est. with seller financing: $1,888/mo

Single-family
Built in 2026
6,055 sq ft lot
$167/sqft
Hopkins County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Welcome to modern living with a new construction home zoned for the new Rowena Johnson Elementary! This 2026-built 3-bedroom, 2-bath home has an open layout offering a spacious area for guests when entertaining. Elegant luxury vinyl flooring flows throughout the house. In the kitchen, you'll find granite countertops, an island with breakfast bar, and stainless steel appliances. Bathed in natural light and accented by recessed lighting, the home feels bright and airy. From the primary bedroom, enjoy private views of the fenced and shaded backyard--perfect for family, friends, and pets. A one-car garage can be used for parking or as a flex space. Within walking distance, Pacific Park offers a full-size basketball court, walking path, splash pad, large playground, an outdoor gym and more. Be the first one to own this newly completed home!

Facts & features

Interior

Features

Decorative Designer Lighting Fixtures
Eat In Kitchen
Granite Counters
High Speed Internet
Kitchen Island
Open Floorplan
Pantry
Cable Tv
Walk In Closets

Heating & cooling

Heating: Central, Electric
Cooling: Central Air, Ceiling Fans, Electric

Flooring

Luxury Vinyl Plank

Appliances

Dishwasher
Electric Range

Laundry

Washer Hookup
Dryer Hookup
Laundry In Utility Room

Exterior & lot

Construction

Style: Detached
Stories: 1
Roof: Composition

Parking

Garage spaces: 1
Garage Faces Front
Garage
Garage Door Opener

Lot

Back Yard
Lawn
Few Trees

Community

Neighborhood

Subdivision: Smith

Schools

District: Sulphur Springs ISD
Elementary: Sulphurspr
Middle: Sulphurspr
High: Sulphurspr

Financial & listing details

Listing

Price per sq ft: $167
County: Hopkins
Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$1,888/mo

Down payment10% ($24,500)10%20%

See If You Qualify

Principal & interest: $1,774/mo
Property taxes: Not available
Homeowners insurance (est.): $114/mo

Loan amount: $220,500
Seller financing rate (est.): 9.00%
Term: 30-year fixed

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This estimate uses our seller financing program's rate. Taxes are from listing data (not available for this home) and insurance is estimated. Your actual payment may be higher. Estimate only. Your final rate, payment, and terms are based on approval. This is not a commitment to lend.

How buying this home works

1
Get qualified
We look at your ability to pay, not just a credit score. Self-employed and ITIN buyers welcome.
2
Pick this home
Once you're approved, tell us this is the one. We handle the purchase from the seller.
3
Move in
We resell the home to you at closing, so the title is in your name. Then make one fixed monthly payment, no bank required.

Location

Your next home may have more than one path to ownership.

Powered byDoorly

Finding the right home is half the equation. Financing that works for your situation is the other half. This home may be eligible for our seller financing, also called owner financing, an option for buyers a traditional mortgage hasn't worked for.

It may be worth a look if you:

Available to qualified buyers from HFP, powered by Doorly, only on this site. The seller and listing agent are not affiliated with HFP and cannot offer this program directly. All financing is subject to underwriting, eligibility, program guidelines, and approval.

Check Your Financing Options

How our financing program works

1
Get qualified
Answer a few quick questions and see the down payment you'd need. It takes about a minute and doesn't pull your credit.
2
Make it your home
Once you're approved, our lending partner buys the home from the seller at closing. The seller is paid in full and never carries a loan.
3
Own it
It resells the home to you at the same closing, with financing, so the title is in your name.

This is different from traditional seller financing, where the seller lends you the money. See the full requirements

Listing courtesy of Kati Adair, Janet Martin Realty · MLS #21256090 · 903-885-1234

Listing information provided by North Texas Real Estate Information Systems (NTREIS) through IDX. MLS status: Active (available for sale). Information is deemed reliable but not guaranteed and should be independently verified. NTREIS data is for viewing on this site only and may not be reproduced or redistributed. Last updated Oct 9, 2026.