Move-In Ready Home in Shell Cove – Shows Like Brand New | USDA Eligible | Low HOA | Spacious 2-Car Garage | Resort Style Amenities Welcome to Shell Cove, a sought-after Ruskin, FL community, where this move-in-ready DH Horton home shows like brand new and offers exceptional value for first-time homebuyers. Built with all-concrete block construction, this home includes an all-inclusive appliance package, granite kitchen countertops, and an automated smart home system designed for modern living. Enjoy low HOA fees and valuable financial advantages, including USDA eligibility, which may allow qualified buyers to purchase with no money down and flood insurance is typically not required by lenders. Step inside to a bright open-concept floor plan filled with natural light. The kitchen features stainless steel appliances, granite countertops, ample cabinetry, a spacious pantry, and extended counter space ideal for barstool seating—perfect for everyday living and casual entertaining. A split-bedroom layout provides privacy and flexibility for guests, a home office, or growing families. The spacious primary suite comfortably accommodates a king-size bed and includes a large walk-in closet and a private en-suite bathroom with dual sinks and a walk-in shower. Three additional bedrooms and a guest bathroom are located on the opposite side of the home. A conveniently located indoor laundry room sits near the garage entry. The spacious two-car garage offers secure parking, excellent storage, and room for bikes, tools, or beach gear—an added bonus for Florida living. Shell Cove residents enjoy resort-style amenities, including a swimming pool, clubhouse, open-air cabana, pickle ball courts, playground, basketball court, dog park, and scenic pond and lake views. Located just minutes from I-75, US-41, and US-301, this home provides easy access to Tampa, Brandon, Riverview, MacDill AFB, St. Petersburg, Bradenton, and Sarasota. Outdoor enthusiasts will love nearby E.G. Simmons Park and Little Harbor, offering boating, fishing, beaches, nature trails, and waterfront dining. With shopping, restaurants, schools, medical facilities, and Gulf Coast attractions close by, this Ruskin Florida home for sale delivers comfort, convenience, and long-term value. Whether you’re purchasing your first home, downsizing, or investing, this property truly shows like brand new and is ready for its next owner. Schedule your private showing today!
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.
