Welcome to this beautifully renovated 2‑story home on E Wyncliffe Avenue — a move‑in‑ready gem nestled in the heart of the beloved Clifton Heights neighborhood of Delaware County. Thoughtfully redesigned and wonderfully maintained, this home offers the perfect blend of modern comfort, classic charm, and a location that families love. Step inside and you’ll immediately feel the spacious, open flow of the main level. Gleaming hardwood floors lead you through a warm and welcoming living space and into the stylishly updated kitchen. Here, you’ll find polished granite countertops, rich wood cabinetry, stainless steel appliances, and a colorful tile backsplash that brings the room to life — a perfect setting for family meals and gatherings. Upstairs, the bright and airy master bedroom offers a peaceful retreat, complemented by a fully remodeled hall bathroom. Two additional bedrooms, each with its own closet, make for ideal children’s rooms, guest spaces, or even a home office. The home also features a clean, easily accessible basement with abundant storage space and a dedicated laundry area — giving you flexibility and room to grow. Outside the front door, Clifton Heights offers the community-friendly lifestyle families look for. Enjoy walkable, tree-lined streets and access to nearby parks such as Kent Park and Clifton Field, perfect for sports, playground time, and weekend picnics. You’re just minutes from shopping and dining along Baltimore Pike, including grocery stores, coffee shops, and family‑favorite restaurants. Major retailers, the Pilgrim Gardens Shopping Center, and the Tower Theater district in Upper Darby are all a quick drive away. Commuters will appreciate easy access to Routes 1, 3, and 476, and multiple SEPTA stations make trips into Center City smooth and convenient. Highly regarded schools, local community events, and a friendly, established neighborhood atmosphere only add to the appeal. This home truly stands out from the moment you enter — offering modern upgrades, generous space, and a vibrant community setting ideal for any family looking to settle into Delaware County.
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
