Sign in to see required down payment for the 2.5% rate
10885 Elk Run Rd, Catlett, VA 20119
6 beds · 6 baths · 6,282 sqft
**Timeless Elegance Meets Modern Luxury** Nestled in the Virginia Piedmont, this **circa-1910 estate** seamlessly blends historic charm with modern sophistication. Extensively renovated in **2002** and thoughtfully updated since, this **6-bedroom, 4 full-bath, 2 half-bath home** offers over **6,000 sq. ft.** of living space on nearly **4 park-like acres**. **Historic Beauty, Smart Convenience** Original details—**glimmer glass windows, 10-14 ft. ceilings, five working fireplaces, elegant staircases, intricate crown molding, and wood floors**—honor the home’s rich past, while **smart home technology, unlimited high-speed internet, and four-zone NEST-controlled HVAC** provide modern ease. **A Chef’s Dream Kitchen** Remodeled in **2022**, this fully custom kitchen features: ✔ **36” Swedish Aga gas range with soapstone counters & backsplash** ✔ **9’x6’ limestone island, seating for 8-10** ✔ **Integrated Fisher & Paykel fridge, Bosch dishwasher, under-counter ice maker** ✔ **Hand-laid brick herringbone floors, maple cabinetry, artisan lighting** ✔ **Walk-in pantry with antique pocket door & custom lighting** ✔ **$4,000 Waterstone faucet with filtered water dispenser** **Designed for Grand & Intimate Gatherings** The **gracious center hall** welcomes guests into: 📚 **5,000-volume library with floor-to-ceiling shelving** 🎱 **Stately billiards room** 🔥 **Formal living & dining rooms** 🍷 **A cozy family room with a wet bar** leading to a **covered patio** with a herringbone brick floor, teak beadboard ceiling, and **outdoor fireplace** **Luxurious Primary Suite & Spacious Upper Level** Upstairs, five generously sized bedrooms include the **primary suite**, a private retreat featuring: 🛁 **Spa-like bath with jetted tub, double vanity, heated towel bars, & surround sound** 🔥 **Fireplace & custom his-and-hers walk-in closets** 🌅 **French doors to a private veranda** An **ensuite bedroom** and three additional bedrooms share a spacious hall bath. A **cozy room with panoramic views** is perfect for an office or nursery. **Lower Level & Outdoor Retreat** The lower level includes: 🍷 **Temperature-controlled, 1,000-bottle wine cellar** 🎥 **Recreation room with surround sound** 🧺 **Laundry room with built-ins & utility sink** 🚻 **Half bath** Outside, enjoy **four sheds, a hot tub patio, and ample space for gardening, chickens, or even a horse**. **Recent Upgrades & Ideal Location** ✔ **Custom lighting & fresh designer paint throughout** ✔ **New high-end iron wood stove in the keeping room** ✔ **Updated guest & powder baths with new vanities & fixtures** ✔ **Upgraded kitchen electrical & plumbing, new washer/dryer (2021)** Located just **20 minutes from Warrenton, Manassas, I-66, and I-95**, this exquisite estate offers **historic charm with modern luxury**—a rare opportunity for discerning buyers. ✨ **Schedule your private tour today!**
Source: BRIGHT #VAFQ2014398
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: BRIGHT #VAFQ2014398
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.

No credit check. Takes 2 minutes.