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128 N Jay St, Middleburg, VA 20117
4 beds · 5 baths · 3,552 sqft
Welcome to this exceptional end-unit townhouse in the heart of historic Middleburg—offering the perfect blend of town convenience and country charm. Built by Batal Homes, this 4-bedroom, 4.5-bath home spans 3,552 square feet with an open and airy floor plan, designed for comfort, privacy, and elegant living. Step inside to find wide-plank, white oak herringbone floors (installed in 2020) that add warmth and sophistication across the main level and second-floor landing. Every bedroom has its own en-suite bath, providing both luxury and convenience for family and guests. The spacious primary suite is a true retreat with his-and-hers walk-in closets, a private sitting or dressing room, and a spa-like bathroom. The second floor also features a convenient laundry room, and a dedicated office on the main level makes working from home effortless. The walk-out basement offers additional living space perfect for entertaining, hobbies, or guests. The home backs to a quiet creek and scenic farmland, with an elevated deck that feels like a treehouse—offering tranquil views of deer, foxes, and birds in the open space behind. A small fenced yard with a doggie door adds functionality for pet owners. Updates by the current owners include a whole-house water filtration system, wood-look LVT flooring in the basement, a new dishwasher and washing machine (2022), and plantation shutters throughout. Best of all, this home is just a short walk to Middleburg’s charming shops, restaurants, and cultural attractions. You can stroll to town events and return home to the peace and privacy of your own natural retreat. With its rare combination of modern comfort, thoughtful updates, and walkable location, 128 N Jay Street offers a lifestyle that’s both refined and relaxed. Schedule your showing today!
Source: BRIGHT #VALO2098156
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 #VALO2098156
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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