Luxury estate living in Clarksburg on a private two-acre wooded lot with over 6,400 finished square feet, a walkout basement, and five garage spaces including a three-car attached and two-car detached garage. Welcome to 14912 Little Bennett Drive, a rare opportunity for space, privacy, and scale in Montgomery County. Offering approximately 4,200 square feet above grade plus a 2,000 square foot finished walkout lower level, this home delivers the size and flexibility luxury buyers are seeking. A dramatic two-story foyer with 19-foot ceilings and chandelier sets the tone. Formal living and dining rooms with bay windows flank the entry, while Shaw engineered hardwood flooring with a wire brushed finish spans the home. The kitchen features a cooktop, double wall ovens, extensive cabinetry including pantry storage, and a bright bay window overlooking the backyard with direct access to the patio for seamless indoor-outdoor entertaining. The rear of the home opens to a stunning two-story family room with gas fireplace, built-ins, and wine refrigerator. An additional oversized gathering room with bay window and yard access offers ideal space for entertaining, a secondary lounge, or extended living area. Main-level laundry adds everyday convenience. Upstairs are four spacious bedrooms and two full baths, including a large primary suite measuring approximately 22 by 20 feet. The primary bath includes a jetted soaking tub, separate shower, and dual vanities. The standout feature is the extraordinary 35-foot custom walk-in closet and dressing suite with built-ins, glass-front cabinetry, extensive hanging space, and a center island with drawers, a boutique-style space rarely found in homes at any price point. The finished walkout lower level adds nearly 2,000 square feet with a recreation room, second gas fireplace, wet bar, built-in speakers, fifth bedroom, full bath, and a dedicated office or flex room. Walkout access to the backyard and a separate stairway to the garage and mudroom enhance functionality and privacy. Additional highlights include: Two-acre wooded homesite Dual-zone gas heating 75-gallon water heater Multiple bay windows and abundant natural light Five total garage spaces Flexible layout for multi-generational living or home office needs If you are searching for a luxury Clarksburg home with acreage, extensive living space, a finished walkout basement, and exceptional storage and garage capacity, this property offers the scale, privacy, and versatility rarely available at this price point. Convenient to major commuter routes, parks, and local amenities while offering the feel of a private retreat.
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.
