Immaculate, move-in ready detached home in desirable 55+ Sun City--this one stands out from the rest! Gorgeous curb appeal. Spacious great room with wood flooring, freestanding fireplace & bright AZ room. Kitchen features ample cabinetry, pantry, breakfast bar & brand new appliances (2025). Primary suite has ensuite bathrm w/grab bars in tiled shower. Secondary bedrm offers 2 closets & grab bar in 2nd full bathroom for safety! Oversized laundry room with built-ins, utility sink, and washer/dryer included--& large space with shelving perfect for hobbies or extra storage. Garage with built-in cabinets. Main covered patio has block wall/wrought iron fencing plus separate fenced yard. Gate from covered carport opens to 2nd cov'd outdoor area. Roof approx 8 yrs, HVAC approx 10 yrs. This is not your typical Sun City home--immaculately maintained, exceptionally clean, and sellers are motivated to close/move quickly. If your buyers are tired of homes that need work, this is the one they've been waiting for. From the inviting front porch to the thoughtfully designed interior, pride of ownership is evident throughout. Step through double doors into a spacious great room with warm wood flooring, a charming freestanding fireplace, and seamless access to a bright Arizona room--ideal for everyday living or entertaining. The kitchen is clean, functional, and well-equipped with ample cabinetry, a pantry, ceiling fan, low height breakfast bar area, and brand new appliances (2025)--a major value add compared to many homes in the area. The primary suite offers comfort and accessibility with an ensuite bathroom featuring grab bars. One of the biggest advantages of this home is the oversized laundry room with cabinets, utility sink, and included washer & dryer--a flexible space with built in shelving perfect for hobbies, a workshop, home office, or additional storage. The garage also includes built-in cabinetry, giving you even more usable space. Outdoor living is just as appealing, with a covered patio featuring a block wall and wrought iron fencing that creates a defined, private feel. The separate fenced yard with mature, low-maintenance landscaping makes enjoying Arizona mornings and evenings effortless. Gated access from the covered carport keeps vehicles or recreational items discreetly tucked away. Major systems are already addressed with a roof approx. 8 years old and HVAC approx. 10 years old, adding peace of mind. Clean homes like this--especially with this level of flexibility and storage--don't come up often in Sun City.
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.
