Some homes offer space. Some offer privacy. This one delivers both — tucked at the end of a quiet cul-de-sac on 1.23 wooded acres in southern Prince William County, where the lots are large, the trees are mature, and the pace of life is exactly what it should be. What makes this home truly special is the way it lives. All three bedrooms are on the main level — true one-floor living with no stairs between the spaces that matter most. The primary suite has its own en-suite bath, while a full hall bath serves the other two bedrooms comfortably. The layout flows naturally and warmly: a large kitchen with granite countertops, stainless steel appliances, and ample cabinet and countertop space opens to a cozy breakfast room, which connects seamlessly to the family room — the kind of layout that makes everyday living feel effortless. On the other side of the entry, a formal dining room sits just steps from the sunroom, making either space equally suited as a flex room, home office, or dedicated dining area depending on how you want to live. The sunroom is a standout — flooded with natural light and surrounded by views of the wooded property, it is the kind of space that quickly becomes the most-used room in the house. Hardwood floors run throughout the main level, and the home has been consistently updated with a newer roof (2016), newer windows (2015), newer water heater (2021), newer water softener (2023), remodeled primary bathroom (2019), newer furnace (2020), and updated washer and dryer (2016) — leaving the next owner with nothing to do but move in and enjoy. Downstairs, a finished lower level adds a large recreation room and a bonus room — ideal as a home office, guest space, gym, or hobby room. Laundry is also located on this level. Outside, a deck overlooks the fenced yard and 1.23 acres of mature trees — a setting that is genuinely private and peaceful, the kind of property where dogs roam, kids play, and the rest of the world feels far away. An attached two-car garage plus a detached garage offer exceptional storage and flexibility — whether for vehicles, a workshop, hobby space, or extra storage. Move-in ready and waiting for someone who values nature, quiet, and space. The location balances that sense of seclusion with genuine convenience. Direct access to Route 234 puts you on I-95 in about 10 minutes. Quantico Marine Corps Base is roughly 20 minutes away, Fort Belvoir is about 30, and the VRE Manassas Line at Broad Run Station offers a commuter rail option into Alexandria, Crystal City, and Washington DC. Woodbridge and its shopping, dining, and entertainment options are 15 minutes in one direction; Old Town Manassas, Stonebridge at Potomac Town Center with Wegmans, and Potomac Mills are all within 20 minutes. Within the Colgan High School district.
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.
