Tucked away on a quiet cul-de-sac in the highly sought-after River Chase community, 112 Westin Hills blends the charm of a stately Virginia manor with relaxed Texas Hill Country style. Set on 1.24 scenic acres, this 4-bedroom, 4.5-bath home offers the perfect balance of space, comfort, and functionality—inside and out. From the moment you arrive, you’ll notice the inviting double front porches and mature oak trees that frame the property. Out back, an oversized screened-in porch with a gas fireplace and outdoor kitchen creates the ultimate space for entertaining or simply soaking in those Hill Country views year-round. Inside, engineered hardwood floors run throughout the first floor, adding warmth and durability. The main level features a spacious primary suite plus a secondary bedroom with its own en suite bath—ideal for guests or multigenerational living. Need flex space? The studio with a full bath and built-in office is perfect for a photographer, fitness enthusiast, homeschool setup, or private workspace. The gourmet kitchen is designed to impress with double ovens, gas cooking, a walk-in pantry, and a beautiful mix of marble and butcher block countertops. Upstairs, you’ll find two additional bedrooms, two extra storage closets, a cozy office space, and a standout game room complete with built-in bunk beds—sleepovers and movie nights just got an upgrade! Storage won’t be an issue here, with multiple oversized interior closets plus a 12x16 outdoor storage building. Don’t forget about the amazing River Chase amenities: 58-acre private river park with hiking trails and a 32-acre neighborhood park that includes a clubhouse, swimming pools, pickleball/tennis court, walking trails, and a fishing pond. Whether you’re hosting gatherings for friends and family or enjoying a peaceful weekend at home, 112 Westin Hills offers the space, setting, and style to truly live the Hill Country lifestyle. **This home has a VA assumable loan at 2.75%**
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.
