Welcome home to this beautifully maintained and thoughtfully upgraded residence located in the desirable Panther Trace subdivision. This spacious home offers four bedrooms, along with a versatile main-level bonus room featuring a large closet—ideal for use as a guest suite, home office, or fitness space. The property includes three full bathrooms, one conveniently located on the main level, as well as formal living and dining rooms, a comfortable family room, and an additional dining area adjacent to the kitchen. The kitchen is well-appointed with granite countertops, a generously sized pantry, and abundant cabinet and counter space to meet all your culinary needs. The main level also provides extensive storage and closet space throughout. The dual entry staircase makes it easy to navigate the large downstairs living area. Upstairs, you will find three secondary bedrooms, each offering ample closet space and access to a shared bathroom with dual vanities and a newly updated shower (2025). A spacious loft area opens to a front-facing balcony, creating an inviting additional living space. The owner’s suite serves as a private retreat, complete with a serene sitting area, additional storage, and direct access to a balcony overlooking the pool. The suite also features dual walk-in closets and a well-appointed en-suite bathroom with a newly renovated shower with dual shower heads (2023). For added convenience, the laundry room is located on the upper level. The exterior of the home is equally impressive, featuring a three-car garage with epoxy flooring, l and a fully fenced 0.39-acre lot with dual gate access (2020). Outdoor amenities include a private pool with a fully screened lanai and child safety enclosure. Additional features include a whole-home external 50v generator hookup (2023). The home is also not located in a flood zone, offering added confidence for homeowners. This home has been extensively upgraded for peace of mind, including hurricane impact-rated windows (2021) and a new impact rated front door (2025), hurricane-rated fabric protection for balcony doors and the lanai (2021), a whole-home water softener (2020), a high-capacity reverse osmosis system in the kitchen (2020), a large capacity tankless water heater (2022), a new roof (2024), both HVAC systems replaced (2021), a pool heater (2021), a new pool pump (2025), and a new salt cell (2026). Panther Trace offers resort style amenities including pool, clubhouse, fitness center, playgrounds, sports courts, green spaces and community events. With all major systems updated and meticulous care evident throughout, this move-in-ready home offers exceptional comfort, functionality, and long-term value.
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.
