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10810 Ridgerun Rd, Chesterfield, VA 23832
3 beds · 3 baths · 1,612 sqft
Welcome to this charming home in the sought-after Great Oaks subdivision of Chesterfield County! Nestled on a peaceful .29-acre cul-de-sac lot, this 3-bedroom, 2.5-bath home offers the perfect blend of comfort, convenience, and thoughtful updates. Enjoy quiet mornings on the full front porch and relaxing evenings on the screened-in back porch overlooking a gently flowing creek. Inside, the home offers a functional 1,612 sq. ft. layout, with all bedrooms located upstairs for added privacy. The updated kitchen features quartz countertops, tile backsplash, and newer appliances—all of which convey! You’ll also appreciate the wood-burning fireplace, adding warmth and character to the living space. Key updates include a new HVAC system (2015) and double-hung vinyl windows w/ screens installed in 2024, complete with a transferable warranty for added peace of mind. A walk-up attic offers exceptional storage or future expansion potential. Built in 1990, this home is in a location that can’t be beat—close to schools, shopping, dining, and major commuter routes, all with NO HOA!
Source: CENTRALVIRGINIA #2517621
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: CENTRALVIRGINIA #2517621
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.
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.
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.
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