STATELY 4,110 SQFT COLONIAL!! Welcome to this stunning 5 bedroom, 2 full and 1 half bath home in highly sought-after Huntingtown, perfectly situated on .98 private acres surrounded by peaceful wooded views. Offering an impressive 4,110 square feet of finished living space ABOVE GROUND, this home delivers exceptional room to live, work, and entertain — with three fully finished levels of light-filled space and a 1,200 sqft unfinished basement ready for your future plans. From the moment you arrive, the expansive front porch with its charming gazebo sets the tone — the perfect place for morning coffee or evening wine under the stars. The property also features an inground sprinkler system, helping keep the beautifully maintained yard looking its best with ease. Step inside to a grand, sun-drenched two-story foyer featuring a breathtaking wood staircase that immediately captures your attention. To the left, a formal dining room ready for holiday gatherings. To the right, a sophisticated formal living room. Just past the formal living room is a nicely sized half bath. Making your way to the rear of the home you will find a private study with direct access to the composite deck — ideal for working from home with a view. The heart of the home is a dramatic two-story family room with soaring ceilings, a cozy pellet stove with a two-story stone surround, and oversized windows that flood the space with natural light while showcasing serene wooded views. A catwalk above adds architectural interest and overlooks the space below. The chef’s kitchen is designed for both everyday living and entertaining — complete with a gas range, abundant counter space, pantry, and a bright eat-in area wrapped in windows. Step directly from the breakfast space onto the spacious composite deck and enjoy outdoor dining beneath the stars. The main level truly delivers an entertainer’s dream open floor plan. Also on the main level is a generously sized laundry room with storage, conveniently located near the oversized side-load two-car garage with additional storage space. Upstairs, retreat to the spacious primary suite featuring a sitting/reading area, a large walk-in closet, and an impressive ensuite bath with dual vanities, a soaking garden tub, and separate shower. Three additional generously sized bedrooms offer ample closet space and share a well-designed Jack-and-Jill style hall bath with a double sink vanity. The fully finished third level features new carpet throughout the upper levels (3rd and 4th floors) and offers an incredible expansive space that feels like its own private retreat. Whether you envision a 5th bedroom, executive office, guest suite, recreation room, game room, media lounge, or teen retreat, this level provides the flexibility today’s lifestyle demands — beautifully finished and filled with natural light. Need even more potential? The 1,200 sqft unfinished basement with rough-in for a future bath allows your imagination to run wild — create the additional space you’ve always wanted while already enjoying over 4,100 finished square feet above grade, or simply use the space as a large storage area. All of this in one of Huntingtown’s most desirable locations. The Queensberry neighborhood is quaint, walkable, and offers access to a large community pond. Schedule your showing ASAP before this home is gone!
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.
