VA loan
1 of 77
VA loan
$975,000
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11219 Kailee Ln, Spotsylvania, VA 22553

6 beds · 5 baths · 5,213 sqft

Welcome Home to 11219 Kailee Lane - where privacy meets luxury. Step into over 5,800 square feet of thoughtfully designed living space in this exquisite custom August estate nestled on 3 private acres of lush, manicured lawn. From the moment you arrive, you are welcomed by a private driveway leading to a 3 car side-load garage. A graceful sidewalk guides you to the front porch - a perfect spot for a quiet morning coffee taking in the serene surroundings. Inside, elegance unfolds at every turn. The foyer set the tone for the arched entries into the formal dining room and the library. Continue into the spacious family room, where coffered ceilings gleaming hardwood floors draw you in, all flowing seamlessly into a gourmet kitchen built for both chefs and entertainers. Stainless steel appliances, double oven, sleek hood and generous island and additional seating area. The main level also features a cozy butlers nook, a bright sunroom/eat in kitchen area and dedicated home office for modern living. Ascend the hardwood staircase with wrought iron spindles to find a show-stopping primary suite, complete with double door entry, a spa-inspired bath with soaking tub, chandelier and his and her vanities and dream worthy closet with custom built ins! Three additional upstairs bedrooms include a Jack and Jill bath and one boasts its own private en-suite. The fully finished basement, crafted by Hivex Construction, is an entertainers dream. Enjoy two more bedrooms, full bath, wet bar and large recreation room. Step outside to your private retreat: patio with permanent fire pit and expansive back lawn - perfect for everything from relaxing evenings to weekend gatherings. This exceptional estate comes with a outside shed and offers the perfect blend of luxury. comfort and privacy.

Estimated
Seller's interest rate
3.54%
7%
Estimated
Monthly payment

$2,698
$3,254
You may also save up to $140,685 in total interest paid.

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.

Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $3,254 monthly payment

Financed
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Location
Loan details
Loan type
VA
Rate
3.54%
Remaining term
21 yrs and 1 mo
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$2,698
Principal & interest
$1,595
Mortgage insurance
-
Property taxes
$650
Home insurance
$333
HOA fees
$120
Utilities
Not included

Source: Public records

Home details
Size
5,213 sqft
Lot size
3.04 acres
Year built
2015
Type
Single Family Residence
HOA dues
$120.00

Source: BRIGHT #VASP2033432

Frequently asked questions

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.

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Last updated: Jun 22, 2025 11:29 pm
Listing agent: Sheila Lanier (540) 623-3432
Listing provided courtesy of: Samson Properties (540) 854-2312
Details provided by BRIGHT and may not match the public record.
MLS ID: #VASP2033432
The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms in which Roam Brokerage, LLC participates, and is provided by BRIGHT through a licensing agreement. The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some properties which appear for sale on this website may no longer be available because they are under contract, have closed or are no longer being offered for sale. Information Deemed Reliable But Not Guaranteed. Copyright © 2025 Bright MLS. All rights reserved.
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Est. seller's rate
3.54%
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