Don’t miss this gorgeous single-story home in the highly sought-after Sunfield community, filled with custom details and modern farmhouse charm you won’t find in most houses. The open floor plan showcases luxury vinyl plank flooring in soft neutral tones and is highlighted by designer touches like modern light fixtures, shutters, patterned tile, and striking accent walls that bring warmth and texture throughout. The chef’s kitchen features quartz countertops, stainless steel appliances, and a dramatic tile backsplash that extends all the way to the ceiling—adding an undeniably upscale feel. A breakfast bar flows into the family room, where a tray ceiling and cozy electric fireplace create a welcoming atmosphere. The private office is enhanced with stunning floor-to-ceiling wall paneling, blending style and function for the perfect work-from-home space. The secondary bath has been beautifully updated with an oversized walk-in shower finished in designer tile, delivering a spa-like touch to everyday living. An inset nook with a built-in bench, hooks, and shelving provides the perfect drop zone for backpacks, jackets, and shoes, while the laundry room offers additional storage with subway tile walls and floating wood shelves for a clean, modern aesthetic. The seller is also open to cosmetic modifications if desired by the buyer. Step outside to the stunning oversized patio, where a wood-paneled ceiling, ceiling fan, and tiled flooring create an inviting retreat. Whether hosting friends or enjoying quiet evenings under the glow of string lights, this space is ideal for both relaxation and entertaining. With a prime location across from a neighborhood park and access to Sunfield’s unmatched amenities—including pools, a lazy river, splash pad, dog park, fishing pond, trails, and more—this home truly has it all. Don’t let this one get away!
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.
