As you approach the home, you are immediately welcomed by lush, meticulously curated landscaping that sets the tone for the elegance found throughout the property. Every detail of the exterior--from the manicured grounds to the enhanced walkways--invites you into a space designed with both beauty and intention. As you enter the home, you are invited to slow down and truly take in the craftsmanship. From the moment you step inside, you'll notice the refined architectural details, custom crown molding, and rich wood wainscoting, all complemented by stunning waterproof bamboo laminate flooring with acoustic underlayment that flows seamlessly throughout the main living areas. The ambiance is both warm and sophisticated, creating an elevated everyday living experience. The kitchen serves as the heart of the home, beautifully appointed with granite countertops, a designer backsplash, and a full Samsung stainless steel appliance suite, enhanced by soft, modern lighting that creates the perfect balance of style and functionality. Retreat to the primary suite, a thoughtfully designed sanctuary offering both comfort and accessibility. Featuring an extended vanity and ADA-enhanced elements, including widened doorways and supportive features, this space blends luxury with intentional design for ease of living. Step beyond the main living space into your private oasis--the lifetime Florida Room enclosure, fully permitted and seamlessly integrated with the home's exterior. This expansive retreat is designed for year-round enjoyment, complete with solar shades and a custom Jacuzzi with a dedicated on-demand hot water system, offering a spa-like experience in the comfort of your own home. The garage flex space has been transformed into a fully finished extension of the home--climate-controlled with a mini-split system and elevated with custom flooring, detailed trim work, built-in storage solutions, and a retractable screen system. Whether used for entertaining, fitness, or creative pursuits, this space adapts effortlessly to your lifestyle. Modern living is further enhanced with state-of-the-art security and smart home features, including a comprehensive camera system, smart garage access, digital entry, and integrated connectivity with fiber optic internet--providing both peace of mind and convenience. The exterior continues to impress with thoughtful upgrades including a full irrigation system, French drainage, energy-efficient enhancements, and multiple versatile storage structures--ensuring both form and function are carried throughout the entire property. This is more than a home--it is a carefully curated living experience, where luxury, comfort, and intentional design come together seamlessly. Truly move-in ready and unlike anything else on the market.
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.
Data provided is deemed reliable but is not guaranteed. The data relating to real estate for sale on this website comes in part from the Northeast Florida Multiple Listing Service, Inc. The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. Copyright © 2026 Northeast Florida Multiple Listing Service, Inc. All Rights Reserved.
