Mornings begin quietly here, with light filtering through the trees and coffee enjoyed from the covered deck overlooking a backyard designed to feel like a private retreat. Wonderful views, lots of privacy! The pool anchors a series of thoughtfully layered outdoor spaces-places to lounge in the shade, gather with friends, or unwind by the fire as the sun sets over the hill country. It's a setting that feels tucked away and serene, yet remains effortlessly connected to nearby walking and biking trails and everyday conveniences. With 3 plus acres, there is room for just about anything your heart desires, or just leave it natural. Inside, the home opens with soaring ceilings and natural light that fills an expansive living space, where a striking stone fireplace and custom built-ins create a refined focal point. Luxury vinyl plank flooring carries throughout the main areas, leading into a well-appointed kitchen with updated granite countertops, updated appliances, gas cooking, and generous bar seating designed for both casual mornings and entertaining. Large glass doors extend the living space outdoors, while the layout offers four bedrooms and two and a half baths, including a spacious primary suite with private access to the deck. A standing seam metal roof and fresh exterior paint completed in 2026, along with a 2025 AC replacement, and updates including the water heater and water softener, add to the home's comfort and long-term ease-creating a space that blends elevated design with everyday livability. There is a great extra space under the house that makes the perfect spot for game nights or a workshop, complete with its own HVAC system. There is also plenty of additional storage for yard equipment and more. And for those wanting to embrace country living with a few chickens, they'll enjoy a well-designed, spacious coop ready to go. Please be aware that some photos have been virtually staged.
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.
