Welcome to this beautifully maintained and thoughtfully upgraded townhouse in the award‑winning, gated golf course community of Piedmont—an exceptional home that stands out for its quality, comfort, and meticulous care. Nearly every inch of this 3,014 sq ft residence has been enhanced, from the 2016 roof replacement to the renovated primary bath and updated lighting throughout. The spacious family room features stunning floor‑to‑ceiling Palladian windows that frame sweeping views of the golf course. Step out onto the Trex deck for effortless al fresco dining. The updated kitchen offers granite countertops, a stylish backsplash, ShelfGenie cabinet pullouts, a generous island ideal for entertaining, and a new refrigerator. New UV protective front windows. Upstairs, the serene primary suite boasts beautiful golf course views, an expansive walk‑in closet, and a renovated bathroom with a separate shower and soaking tub. This level also includes a convenient 2023 washer and dryer and two additional large bedrooms that share a full bath. The cozy lower level offers a welcoming retreat with a fireplace, half bath, and walkout access to a patio featuring a custom sliding screen door. A spacious utility room provides abundant storage. The HVAC system was recently inspected and upgraded with a new electronic filter and heating motor, and a 50‑gallon water heater was also recently installed. Outdoor living is exceptional: enjoy the Trex deck overlooking the private course’s Number 7 tee box, a paver patio with newly added (2025) covered patio complete with a fan. Professionally landscaped grounds enhance the home’s curb appeal, and its location at the end of a quiet street offers added privacy, low traffic, and ample parking. This lovely townhome blends style, comfort, and premium upgrades, making it one of the most desirable offerings in the community. Ideally located near I‑66, Route 15, and Route 29, with convenient access to shopping, commuter lots, and top‑rated schools—Mountain View Elementary, Bull Run Middle, and Battlefield High School.
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.
