$399,900
1128 Halifax Pl, Trenton, NJ 08619

About this home

End Unit, Luxury condo in 2 nd floor: 4 min walk to Hamilton train station: 2 bed/2 full bath, complete hardwood.t and a full storage. All new appliances in kitchen, with Granite counter top,(Refrigerator, dishwasher, microwave, gas cooking range) , huge panty washer/dryer,. Building secured with resident access and has an elevator and enough parking spaces. Elegant/club house with free break fast, billiard, media room lounge, gym:) Train station has a shuttle bus service to bank of America, hour to midtown. Downtown/ nyc, 15 min to Princeton hospital. Major highways (Rt.1,295-I 95) Primary Bedroom - Dressing Area & Walk-In Closet A dedicated dressing corridor offers exceptional storage with a full-wall wardrobe system featuring sleek high-gloss white sliding panels framed in matte black. Inside, three generously sized sections each provide multiple adjustable shelves and integrated drawers - ideal for clothing, accessories, and folded items. A full-length mirror and rich dark hardwood flooring complete this private retreat within the suite. Second Bedroom - Closet A well-designed reach-in closet with sliding doors offers a smart dual layout: five adjustable shelves on one side for folded storage, and a full-height hanging rod with a lower shelf on the other - versatile for a guest room, home office, or bedroom. Kitchen/Hallway Closet An impressively sized built-in storage system conveniently located near the kitchen spans an entire wall with three pairs of crisp white shaker-style doors and matte black handles. Inside, each of the three full-height sections is fitted with multiple adjustable shelves and pull-out drawers providing exceptional organized storage for pantry items, linens, household supplies, or anything else. This level of built-in storage is a rare find and a true highlight of the unit. Private Storage Unit - Included with Sale A rare and valuable bonus: this unit comes with a dedicated private storage room (Unit 206) located on the same floor, separate from the condo. The storage area features four individual rooms accessible via a secured hallway with overhead fluorescent lighting - spacious enough to accommodate bicycles, seasonal items, luggage, and bulky belongings that would otherwise clutter your living space. Private on-floor storage of this scale is an exceptional amenity seldom found in condominium living. Primary Bathroom A spa-inspired en suite showcases a wide double vanity with light stone countertops, dual brushed-nickel faucets, a large dark wood-framed mirror, and dual vanity lighting. The walk-in glass-enclosed shower impresses with floor-to-ceiling gray marble-look tile and a refined mosaic accent border, all set above warm beige floor tile. Secondary Bathroom Clean and functional, this full bath features a tub/shower combination with tile surround, a dark wood-framed vanity mirror, single sink with brushed-nickel fixtures, and a bright vanity light bar. Living/Dining & Kitchen The open-concept main living area flows seamlessly into the kitchen, connected by gleaming dark hardwood floors. The kitchen features warm wood cabinetry, dark granite countertops, a striking glass-and-stone mosaic backsplash, and stainless steel appliances including a gas range. A pass-through counter opens the kitchen to the living space - ideal for entertaining. Sliding glass doors lead to a private balcony with open views. Bedrooms Both bedrooms feature rich dark hardwood floors and large windows that flood the rooms with natural light. The primary bedroom benefits from corner dual-window placement for cross-ventilation and open views, while the second bedroom offers a generous picture window.


2 bed
2 bath
1,243 sqft
--
Condominium
Built 2015
A/C
Shared pool
Your payment
$2,705/mo at 3.25%
You save $2,167/year compared to a new mortgage.

FHA loan: $221,708 at 3.25%
Gap loan: $0
Payment details
Home price
$399,900

Down payment
$178,191

Total loan (3.25%)
$221,708
FHA loan (3.25%)
$221,708
Gap loan (7.13%)
$0

Term
20 yrs 3 mo

Tax rate

× $399,900 = $10,117/yr

Premium

Include loan insurance
Loan insurance on FHA loans is generally permanent. An exception applies when the original down payment was 10% or more, permitting removal after 11 years from origination.
Fees
Water/sewer
Electricity
Internet
Gas
Neighborhood
FAQ

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.

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Last updated: Jun 23, 2026 11:16 pm
Listing agent: Raj Pothuraj (917) 658-9908
Listing provided courtesy of: Tesla Realty Group LLC, (844) 837-5274
Details provided by BRIGHT and may not match the public record.
MLS ID: #NJME2079006
Payment calculations are estimates and exact amounts will be confirmed by your agent.
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 © 2026 Bright MLS. All rights reserved.
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