This home comes in at under $20k...but with the cost of the lot, a brand new single sim will not be able to place it. So it is really a "couples starter".
This Craftsman style home has 3 spacious bedrooms and 1 bath
(and room upstairs to add a second as you earn the funds), no CC, and fits a 20x15 lot or larger.
Find it in The Sims 4 Gallery under my Origin user name: ruthless_kk
Here is how a second bathroom can be added if you earn
( or cheat ) the additional funds: