Experience the perfect blend of space, style, and convenience in this beautifully upgraded 4-bedroom, 4-bath home in the award-winning Union Park community. Built in 2018 and offering nearly 3,000 sq ft of open, single-story living, this property feels practically brand new—with modern updates already complete. From the moment you enter, the home opens into a bright, seamless layout with new wood floors throughout (except the media room), fresh paint, and large windows that fill the space with natural light. The kitchen is the true heart of the home, featuring quartz countertops, stainless steel appliances, a large island for gathering, and both a breakfast nook and a separate dining space—perfect for hosting. The private media room offers an ideal space for movie nights, sports, or gaming, while the covered patio and expanded flowerbeds in the backyard create a peaceful outdoor retreat. Smart-home features, spacious secondary bedrooms, and front-yard maintenance covered by the HOA make everyday living beautifully simple. What truly sets this home apart? Union Park's unmatched amenities: two resort-style pools, fitness center, yoga room, splash pad, dog park, fishing pond, basketball and volleyball courts, miles of walking trails, on-site daycare, and an on-site elementary school. This is a community designed for lifestyle. The location is exceptional—just minutes from PGA, HEB, Costco, Sprouts, Walmart, Universal Studios, and a new Super Target is coming soon. Dining, shopping, and entertainment are always within reach. BONUS VALUE: The home offers an assumable 3.10% FHA mortgage for qualified buyers—an incredible opportunity rarely found in today’s market. Homes like this, with this combination of upgrades, location, amenities, and a premium one-story floorplan, do not come around often. Schedule your showing and see why this home stands out above the rest.
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.
