Newly Repositioned Price! — Discover the Best of Asheville Living Are you dreaming of a home that blends mountain charm, city convenience, and low-maintenance living? Welcome to 14 Sunset—where it all comes together. Step outside your front door and experience the lifestyle Asheville is known for. Head one direction to enjoy peaceful walks, runs, or bike rides along a quiet, tree-lined road with minimal traffic. Go the other way and, just down the hill, you’ll find some of Asheville’s favorite restaurants, cozy coffee shops, artisan bakeries, and even a local butcher offering fresh meats, cheeses, and seafood. Continue a bit farther and you’re at your go-to yoga or massage studio—this neighborhood truly has it all. Located in sought-after North Asheville, this home offers the added advantage of easy commuting—helping you avoid the busier traffic routes so you can get where you need to go with ease. Set within a small, low-maintenance HOA community, this is effortless living at its finest. No yard work, no shoveling, no upkeep—just lock-and-leave convenience whether you’re a full-time resident or seeking the perfect second home. Inside, the home shines with an open floor plan designed for modern living. Expansive windows, soaring ceilings, and abundant natural light create an inviting, airy atmosphere throughout. Enjoy seasonal mountain views without the premium price tag. The spacious primary suite is a true retreat, featuring a dramatic cathedral ceiling and a private balcony—perfect for morning coffee, sunset views, or stargazing under Asheville’s clear skies. Unwind in your soaking tub with tranquil views and fresh mountain air drifting through. If you’re searching for a light-filled, modern, low-maintenance home with unbeatable access to everything Asheville has to offer—this is the one.
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.
