Imagine coming home to peace, privacy, and space—without giving up convenience. Why wait for new construction and then spend tens of thousands more creating outdoor living, when this home already has it all? The owner has invested nearly $50,000 in a thoughtfully designed outdoor retreat, making this move-in-ready DR Horton Galen model an exceptional opportunity. Set on three serene, wooded acres near a quiet cul-de-sac in Stafford County (22405), this 4-bedroom, 3,300 sq ft home with a 3-car garage offers the kind of setting that feels worlds away—yet keeps you remarkably connected. From here, you’re just minutes to Historic Downtown Fredericksburg, with its charming boutiques, restaurants, and waterfront strolls, while also enjoying easy access to the I-95 Express Lanes, Quantico Marine Base, NSWC Dahlgren, and VRE stations at Leeland and Brooke. Weekend escapes are effortless, whether you’re heading to Colonial Beach, the quaint and revitalized riverside retreat once beloved during the Victorian era or launching a boat at nearby Potomac River marinas. Outdoor lovers will feel right at home. Spend summers boating or paddling on the Potomac River, known for some of the best snakehead sport fishing on the East Coast, or unwind with live music and sunset views at nearby Tim’s Rivershore Seafood Restaurant. Back at home, the lot is tucked away from neighbors, offering rare privacy and tranquility, surrounded by mature trees that create a peaceful, natural backdrop. Inside, the home is equally inviting. The main level welcomes you with a flex space or home office just off the foyer, then opens to a bright, expansive great room and kitchen. White cabinetry, granite countertops, stainless steel appliances, a walk-in pantry, and a large island make the kitchen both beautiful and functional. Floor-to-ceiling natural light draws your eye to the sliding glass doors and out onto the new composite deck, where stairs lead down to the patio below. With the dense woods beyond, it truly feels like living in a treehouse. Upstairs, you’ll find four spacious bedrooms, a generous laundry room, and a luxurious primary suite complete with a walk-in closet and a large, tiled shower, granite double vanity, private water closet, and ceramic tile floors. The upper hall bath offers a tub/shower combo, granite double vanity, linen storage, and LVP flooring. The finished walk-out lower level expands your living space with a recreation room and sliding doors to a stamped concrete patio—perfect for entertaining or quiet evenings outdoors. Additional unfinished space provides abundant storage, rough-in plumbing for a third full bath, and flexibility for a future bedroom, gym, or office. Car enthusiasts and adventure seekers will appreciate the 3-car garage with epoxy floors and parking for six or more vehicles—bring your boat, RV, motorcycles, or weekend toys. The home is well maintained with regularly serviced HVAC, gas heat (buried propane tank), Culligan water treatment system, and internet/cable availability. This home is ideal for those seeking privacy, space, and modern comfort, whether you commute to Quantico or Dahlgren, love riverside living, or simply want a quiet retreat that still keeps you close to everything. With groceries and daily amenities just 10 minutes away—and Historic Downtown Fredericksburg only 10 miles from your door—this location truly offers the best of both worlds.
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.
