Welcome to 102 Triangle Court, an exceptional Richmond American Donovan model perfectly situated on a premium cul-de-sac lot in the highly sought-after Abrams Pointe community of Winchester. Built in 2023 and thoughtfully enhanced with more than $45,000 in post-settlement improvements, this nearly new luxury home offers the perfect combination of modern design, premium upgrades, and future expansion potential. <p> Boasting approximately 3,634 finished square feet and an impressive 5,372 total square feet, including a massive unfinished basement ready for your personal vision, this stunning home features 4 spacious bedrooms, 3.5 baths, a 3-car garage, and an ideal floor plan designed for both everyday living and entertaining. <p> From the moment you arrive, you'll appreciate the professionally enhanced landscaping featuring mature crepe myrtles, decorative stonework, and a beautifully maintained lawn supported by an irrigation system and professional lawn treatments. The fully fenced backyard, covered patio, and expansive outdoor space create the perfect setting for relaxation, entertaining, and family gatherings. Inside, you'll discover a thoughtfully designed open floor plan highlighted by a gourmet kitchen, sunroom, formal dining room, private study, spacious loft, and an expansive family room filled with natural light. The owners have elevated the home even further with fresh interior paint, upgraded lighting throughout, ceiling fans in every bedroom and living space, upgraded window treatments, custom mudroom enhancements, and numerous designer touches. <p> Technology and convenience are seamlessly integrated throughout the home with a premium ADT Plus Smart Home Package, featuring monitored lower-level windows and doors, exterior security cameras capturing all angles of the property, and integrated controls for the Google Nest thermostat—all conveniently managed from a single app. The home also includes an upgraded electric air filtration system, active radon mitigation system, water softener system, and an EV-ready garage pre-wired for electric vehicle charging. <p> The unfinished lower level offers nearly 1,800 additional square feet of future living space, providing endless possibilities for a recreation room, home theater, fitness center, guest suite, or multi-generational living. <p> An exceptional opportunity to own one of Abrams Pointe's premier floor plans without the wait and uncertainty of new construction. The Richmond American Donovan is one of the builder's largest and most sought-after models, and replicating this home today—with its premium lot, extensive builder selections, structural options, and post-settlement improvements—would likely require an investment well into the upper $800,000s or more. This makes 102 Triangle Court an outstanding value for buyers seeking a nearly new luxury home with over $231,000 in upgrades and enhancements already completed. <p> Located in the desirable Abrams Pointe community, residents enjoy the perfect balance of peaceful suburban living and convenient access to everything the region has to offer. Just minutes from historic downtown Winchester, you'll enjoy easy access to shopping, dining, wineries, breweries, parks, and entertainment. Commuters will appreciate the close proximity to Route 7, Route 81, and Route 50, providing convenient access to Loudoun County, Northern Virginia, and the greater Washington, D.C. metropolitan area. <p> Why wait months to build new when you can own this highly upgraded, move-in ready Donovan model today? With over $231,000 invested in builder upgrades, lot premiums, design selections, and post-settlement improvements, 102 Triangle Court presents a rare opportunity to own one of Abrams Pointe's premier homes without the delays and additional costs associated with new construction. <p> Luxury, space, technology, and location—this exceptional home truly has it all.
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.
