Welcome to this beautifully maintained 4-bedroom, 2.5-bathroom home offering a thoughtfully designed layout, elevated finishes, and exceptional indoor-outdoor living. From the moment you enter, you're greeted by a versatile flex space that works perfectly as a home office, sitting area, or playroom, along with a dedicated dining space ideal for hosting. The home then opens into a bright and inviting open-concept kitchen and living area designed for both everyday living and effortless entertaining. The kitchen serves as the heart of the home, featuring granite countertops, rich espresso cabinetry with crown molding, stainless steel appliances including a gas range, a large center island with bar seating, a subway tile backsplash, and an additional prep or coffee station. All of this overlooks the main living area, creating a seamless and connected space filled with natural light. Upstairs, all four bedrooms are privately situated, including an expansive primary suite with plenty of room for a sitting area. The en-suite bath offers a true retreat with dual vanities, a garden soaking tub, a walk-in glass shower, and a spacious layout with abundant natural light. The custom walk-in closet is a standout feature, complete with built-in shelving, drawers, and organization systems designed to maximize both storage and functionality. Additional interior features include a stylishly designed laundry room with built-in shelving and a bold accent wall, as well as a convenient downstairs powder bath for guests. Neutral finishes and well-maintained flooring throughout add to the home's move-in ready appeal. Step outside to experience what truly sets this home apart--an extended outdoor living space designed for entertaining. The covered lanai with ceiling fan flows into a custom pergola lounge area and built-in outdoor kitchen with grill, all set on an expansive paver patio. The fully fenced backyard offers both privacy and space to relax or play. This home offers the perfect combination of space, style, and lifestyle, with standout features inside and out that are rarely found at this price point.
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.
Data provided is deemed reliable but is not guaranteed. The data relating to real estate for sale on this website comes in part from the Northeast Florida Multiple Listing Service, Inc. The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. Copyright © 2026 Northeast Florida Multiple Listing Service, Inc. All Rights Reserved.
