Welcome to this stunning Ansley model END unit townhome, ideally situated in one of the best locations in the Brittany community — a quiet cul-de-sac just steps away from community amenities, including the swimming pool and tennis courts. This spacious end-unit offers over 2,216 sq. ft. of comfortable living space, featuring 2 full baths, 1 half bath, and an attached garage. The owner has opened up the kitchen and dining area by removing the wall — all completed with township permits — creating a bright, open-concept layout ideal for modern living. The updated kitchen includes granite countertops and stainless steel appliances. The open-plan dining room connects to the beautiful, oversized living room, which features hardwood floors and access to a lovely fenced backyard with a paver patio — perfect for outdoor entertaining or relaxing. The wonderful family room, open to the kitchen, offers a cozy fireplace, recessed lighting, and convenient access to the laundry room and attached garage. The second floor consists of three generously sized bedrooms, including a primary suite with laminate flooring, two closets, and a full bath. Another bedroom offers three spacious walk-in closets, providing exceptional storage. Additional hallway closets and a main full bath complete this level. The third floor features an oversized loft, ideal for use as a fourth bedroom, home office, or recreation space. A large window fills the area with natural light, enhancing its open and airy feel. Additional highlights include recessed lighting on the first floor, brand-new hot water, AC is 5 years old, furnace 15 years old and a thoughtfully maintained interior ready for its next owner. “A gas line is available on the street, providing a convenient option to convert the home from electric to gas cooking.” The Brittany community is located next to a large public park equipped with basketball courts, baseball fields, a playground, and walking paths. Residents enjoy proximity to grocery stores, diverse dining options, the beautiful Plainsboro Public Library, and Princeton Hospital. The famous Lenape Trail runs just behind the neighborhood, with a golf course nearby for outdoor enthusiasts. Commuting is easy with the Princeton Junction Train Station only about 10 minutes away, and NYC buses as well as local shuttles to the station conveniently available right outside the neighborhood. Excellent access to major routes, including the NJ Turnpike, Route 130, Route 1, and Exit 8A Park & Ride for NYC buses. Located in the highly acclaimed West Windsor-Plainsboro School District, one of New Jersey’s top-rated districts.
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.
