Tucked beneath a canopy of mature trees on nearly an acre, this beautifully renovated cottage-style home in the heart of Fort Mill offers the perfect blend of charm, privacy, and modern updates. From the moment you arrive, you’ll feel like you’ve discovered a hidden retreat in the woods—yet you’re just minutes from shopping, dining, and all that Fort Mill has to offer. Inside, the open floor plan is filled with natural light and scenic wooded views that make the home feel like a peaceful treehouse getaway. The updated chef’s kitchen features abundant storage, stylish finishes, and flows seamlessly into the dining, living and even a separate office space —perfect for entertaining, working from home or everyday living. The spacious primary suite on the main level includes a beautifully updated ensuite bath and his & hers closets, while upstairs offers 2 additional bedrooms with plenty of space for family or guests. The fully finished basement adds incredible flexibility with a full bath and room for a gym, media room, playroom, guest retreat, or hobby space. Oversized 2-car garage provides exceptional storage and room for vehicles, tools, and outdoor gear. Step outside and enjoy the ultimate outdoor lifestyle with an expansive patio, gazebo, firepit area, and multiple entertaining spaces overlooking your own wooded explorer’s paradise. Whether you’re hosting friends, roasting marshmallows, or simply enjoying quiet mornings surrounded by nature, this backyard is something special. Located in an excellent Fort Mill location with top-rated schools, this one-of-a-kind property offers the rare combination of updated living, privacy, character, and space both inside and out.
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.
