Best Priced Townhouse in Carrollwood, and with a Seller concession of $2000 towards closing costs and prepaids! And it qualifies for 100 percent financing! PLUS: Newer roof, new painting interior AND exterior, new AC, 1 year Home Warranty: This seller is SERIOUS about wanting to retire and move to the Georgia Mountains! Come check out this stylish and comfortable townhome in the Citrus Park area. The Townhomes of Country Run are conveniently located in west Tampa, near the Veterans Expressway, with easy access to Tampa International Airport, local shopping malls, theaters, parks and tons of dining choices. Uniquely, this townhouse has the only fully enclosed and finished oversized sunroom, with an outdoor storage closet. With windows on two sides, you can enjoy the sun and relaxation in this bonus room. Sliding doors open from the Kitchen and the Living Room and expand your living space into a spacious entertainment area for hosting parties and sporting events. Just off the kitchen is the laundry room with the half-bath. Upstairs, two complete suites are available, each with walk-in closet and ensuite bathroom with tub or shower. Updates include: New hurricane windows were installed on the ground floor and upstairs, the roof was replaced 2024, and new 30-year warranty roof coating over the sunroom was done 2025. Indoor and outdoor carpet in sunroom was replaced November 2025; new kitchen sink and faucet 2025, along with new garbage disposal. A new vanity was put in the half bath. Entire interior was repainted Fall 2025 and exterior was painted last week. A new Air Conditioning unit was installed December 2025 and new luxury vinyl in Living Room in 2024. The work has been done for you! Come see this delightful, comfortable, and convenient townhome.
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.
