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Financing available

$255,000

1312 Elm Street, Bonham, TX 75418

3
beds: 2
baths: 1,517
sqft

Est. with seller financing: $2,451/mo

Single-family
Built in 2020
7,579 sq ft lot
$168/sqft
Fannin County

Interested in this home?

Seller financing is available to qualified buyers.

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About this home

Built in 2020, this 3-bedroom, 2-bath home offers 1,517 square feet of well-designed living space and a fantastic opportunity to make it your own. The desirable split-bedroom floor plan provides added privacy, while the primary suite features dual sinks, a separate shower, and a walk-in closet. Step outside to enjoy the privacy-fenced backyard, perfect for pets, entertaining, or simply relaxing. Need extra workspace? The 31' x 7' workshop includes electricity and a window AC unit, making it a comfortable space for hobbies, projects, or additional storage year-round. For added peace of mind, the home is equipped with a gas-powered generator that's hard-wired to power select breakers during power outages. Complete with a 2-car garage and conveniently located in Bonham, this newer home offers a functional layout, valuable upgrades, and plenty of potential. If you're looking for a home with great features and the opportunity to add your own finishing touches, this one is worth a look. Schedule your showing today!

Facts & features

Interior

Features

Eat In Kitchen
High Speed Internet
Kitchen Island
Open Floorplan
Cable Tv

Heating & cooling

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

Flooring

Ceramic Tile
Vinyl

Appliances

Dishwasher
Electric Range
Electric Water Heater
Disposal
Microwave

Laundry

Dryer Hookup
Electric Dryer Hookup

Exterior & lot

Features

Lighting

Construction

Style: Detached
Stories: 1
Roof: Composition
Foundation: Slab
Materials: Fiber Cement

Parking

Garage spaces: 2
Garage Faces Front
Garage
Garage Door Opener

Community

Neighborhood

Subdivision: Inglish Add

Schools

District: Bonham ISD
Elementary: Finleyoate
Middle: Rather
High: Bonham

Financial & listing details

Listing

Price per sq ft: $168
County: Fannin
Financing: Financing available from HFP, powered by Doorly

Estimated payment with seller financing

Est. seller-financed payment

$2,451/mo

Down payment10% ($25,500)10%20%

Check Your Financing Options

Principal & interest: $1,847/mo
Property taxes: $485/mo
Homeowners insurance (est.): $119/mo

Loan amount: $229,500
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 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.

Location

Love this home?Let's find a way to make it yours.

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A traditional mortgage isn't the only way to buy a home.

If you're self-employed, have a lower credit score, use an ITIN, or have been turned down for a mortgage, you may have another option.

Our financing program has different qualification guidelines for eligible buyers. Check your options before you rule out this home.

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 Kim Ackley-Reynolds, Compass RE Texas, LLC. · MLS #21329127 · 214-814-8100

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.