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11905 Henderson Ct, Clifton, VA 20124
5 beds · 5 baths · 5,484 sqft
VA assumable loan at 2.75%, approximate balance of $675,000, Payment - $4671/month Custom-Built Retreat in Clifton, Virginia – Backing to Pond on Private 1.1 Acre Wooded Lot Welcome to your dream home in the heart of Clifton, Virginia – a custom-built single-family residence offering a rare combination of tranquility, space, and luxury living. Nestled on a picturesque 1.1-acre lot surrounded by mature trees and backing to a peaceful pond, this expansive home boasts over 5,000 square feet of finished living space across four thoughtfully designed levels.Step inside to find newly refinished hardwood floors on the main level, where natural light floods the home through large windows and skylights. The spacious family room features soaring vaulted ceilings, skylights, and new French doors that open onto a serene back deck overlooking the water – the perfect spot for morning coffee or evening relaxation.The gourmet kitchen is a chef’s delight with stainless steel appliances, a large center island, double wall ovens, under-cabinet lighting, tile backsplash, and a bright breakfast area highlighted by a bay window with pond views. A main-level office with custom built-in bookshelves and a full laundry room with utility sink offer convenience and functionality.Upstairs, you’ll find four generously sized bedrooms and three full baths, including an ensuite. The primary suite is a private sanctuary with vaulted ceilings, a ceiling fan, sitting area, walk-in closet, and a spa-like bath featuring dual vanities, a jetted tub, and an oversized walk-in shower. The lower levels are designed for comfort and versatility. A fifth bedroom with private entrance and full bath is ideal for guests or multi-generational living. The expansive recreation space includes a loft area, cozy sitting space, a wood-burning fireplace, and sliding glass doors that lead to the brick patio – perfect for entertaining or enjoying the peaceful outdoor setting. Updates include new French doors in family room in 2025, kitchen cooktop in June 2024, double ovens replaced in 2022, water heater replaced in 2023, well pump replaced in 2024 , roof replaced in 2019, and fresh exterior trim paint. VA assumable loan. With its natural surroundings, custom features, and spacious layout, this home offers a rare opportunity to own a private retreat just minutes from the charm of historic Clifton and major commuter routes. Don’t miss your chance to experience this exceptional property.
Source: BRIGHT #VAFX2240820
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.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #VAFX2240820
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.
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