Turnkey, Solar-Powered, ADA-Compliant Home Backing Conservation Land, Also Fully furnished! Welcome to 1435 Daystar Lane—where comfort, accessibility, and efficiency all come together on a quiet cul-de-sac in Lake Baton Estates. This one-story, 4-bedroom, 3-bath, 3-car garage home was built in 2014 and thoughtfully upgraded for modern, easy living. From the moment you walk in, you’ll notice the open flow, wide transitions, and natural light pouring in from the back of the home with no rear neighbors—just peaceful conservation views. The heart of the home is the oversized great room that opens to the dining area and kitchen, creating a true central gathering space. The kitchen features: Granite countertops Large center island 42" cabinetry Stainless steel appliances & gas range Abundant storage and prep space What truly sets this property apart is its smart, energy-efficient and ADA-compliant design: ADA-compliant layout and features for enhanced accessibility and ease of movement One-story living—no interior stairs Solar panels to help lower monthly utility costs Smart home features (security system, thermostat, keyless entry) Solar tube lighting and water softener for added comfort The split-bedroom floor plan offers privacy, with a spacious primary suite featuring a walk-in closet and en-suite bath. Secondary bedrooms are generously sized and supported by two additional full baths—ideal for guests, multigenerational living, or dedicated work-from-home spaces. Step outside to the screened lanai and enjoy your morning coffee overlooking the conservation area—a private, serene backdrop that’s hard to find at this price point. Home is being offered fully furnished, creating a rare turnkey opportunity—just bring your suitcase and move right in. If you’ve been searching for a move-in-ready, solar-powered, ADA-compliant home with true privacy and modern comforts, 1435 Daystar Lane should be at the very top of your list. “Seller willing to assist with buyer closing costs or rate buydown with strong offer and quick closing.”
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.
