Welcome to country elegance in the heart of Western Loudoun. Situated on 3 picturesque acres in Hillsboro, Virginia, this stunning Colonial offers more than 4,500 square feet of beautifully finished living space across three levels — blending upscale comfort with the peaceful lifestyle so many Buyers are searching for today. Built in 2019, this exceptional property enjoys the rare combination of privacy, open space, and walkability to the charming historic town of Hillsboro — one of Loudoun County’s true hidden gems. A welcoming covered front porch sets the tone as you step into a bright, inviting foyer filled with natural light. The thoughtfully designed main level features hardwood floors, vaulted ceilings, elegant formal spaces, a versatile bonus room, and grand family room anchored by a stunning gas fireplace with expansive countryside views. You're welcomed by a brightly filled foyer anchored by the formal dining room and bonus room. The front facing office affords the user pristine country views of rolling hayfields backed against the gorgeous Short Hill Mountains, while working from home. At the heart of the home is a truly impressive custom designed Gourmet Kitchen designed for gathering and entertaining. The kitchen showcases an oversized center island, stainless steel appliances, upgraded cabinetry, premium countertops, and a sun-filled morning room with seamless access to the outdoor living spaces. A private study, mudroom, and convenient half bath complete the main level. Upstairs, the luxurious primary suite offers a peaceful retreat with vaulted ceilings, a spacious walk-in closet, and a beautifully redesigned spa-like bath featuring dual vanities, custom cabinetry, and a massive glass-enclosed shower. Four additional bedrooms and two additional full baths provide abundant flexibility for family, guests, hobbies, or multigenerational living. The finished walk-out lower level with full-bath adds an entirely new dimension to the home, ideal for recreation, entertaining, fitness, or extended guest space. And for peace of mind, know the entire home is on a 2024 whole home generator, 2024 water softener system, and 2019 water purification system. Outside, the property truly shines. Imagine evenings around the fire pit, mornings collecting eggs from your chickens, flourishing flower and vegetable gardens, and peaceful views of neighboring pastures. A large shed and green house provide ample storage for gardening tools, outdoor equipment, or future hobby spaces. Whether you're searching for room to grow, a quieter lifestyle connected to nature, or an elegant countryside retreat with modern conveniences, this property offers the best of all worlds. Enjoy walks into downtown Hillsboro, visits to nearby wineries (closest is Doukenie Winery) and breweries, and unforgettable Fourth of July fireworks viewed right from your own front porch. This is the Loudoun County lifestyle Buyers dream about — refined country living with space, beauty, and convenience all in one extraordinary property. SCHEDULE YOUR TOUR TODAY!
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.
