This one checks all the boxes. Nestled in a private enclave of just 12 homes on spacious homesites, this property offers the rare combination of privacy, scenic views, and country living — all without the restrictions or expense of an HOA. Set on beautiful acreage with sweeping views of Loudoun’s rolling hills, there’s plenty of room to spread out, garden, or even bring your chickens and enjoy the best of country life — just 15 minutes from the boutique shops, restaurants, and small-town charm of downtown Leesburg and in the heart of Loudoun’s renowned winery and brewery region. So many updates including: new 2-zone HVAC for the main and lower level, new carpet throughout, brand new finished walk-out lower level, smart thermostats and more. The main level offers exceptional flexibility to suit a variety of lifestyles. A private room with a full bath can serve as a true main-level bedroom for guests or multi-generational living, while a second room with glass French doors and a Juliet balcony overlooking the yard and distant hills can function beautifully as a home office, library, or additional sitting room. Together, these spaces create multiple options for working from home, hosting guests, or designing the layout that best fits your needs. The kitchen features recessed lighting, white 42” cabinetry, and a center island ideal for gathering. It opens to a large deck with stairs leading down to the fully fenced backyard and surrounding landscape. The outdoor space is designed for enjoying the peaceful setting, featuring a stamped concrete patio and firepit area, along with a private hot tub—perfect for relaxing evenings under the stars while taking in the beautiful views of Loudoun’s rolling hills. The kitchen also flows into the inviting family room with built-in speakers and a wood-burning fireplace, while a bright sunroom provides the perfect spot for reading, relaxing, or informal entertaining. Upstairs, the spacious primary suite offers two walk-in closets and a luxury ensuite bath with double vanities, a large soaking tub, separate walk-in shower, and enclosed water closet. A princess suite includes its own private bath, while two additional bedrooms, each with their own walk-in closets share a third full bath with a double-bowl vanity and tile-surround tub/shower. The newly finished walk-out lower level expands the home’s living space with a large recreation area with a wet bar rough in ready for your own selection, plus an additional bedroom with a fifth full bath—ideal for overnight guests, an au-pair suite, or extended family. Ample unfinished areas provide excellent storage. Outside, a 10' x 20' raised garden bed is perfect for your own tomatoes and peppers, or grow your own herbs and spice plants, while a large shed fits whatever gardening and outdoor tools and toys, and an oversized driveway pad fits multiple vehicles or serves as a great play area for the little ones. Homes like this are rarely available—beautifully situated on multi-acre homesites in small, quiet neighborhoods without HOA restrictions. Enjoy the Loudoun lifestyle on your own terms, surrounded by scenic countryside and vineyards, while remaining just 15 minutes to downtown Leesburg, 32 minutes to Dulles International Airport, and approximately 35 minutes to the major tech corridor of Reston and Herndon.
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.
