Welcome home to this beautifully updated 5-bedroom, 4.5-bath residence with nearly 5,000 finished square feet, ideally located at the end of a quiet cul-de-sac in sought-after Cardinal Grove at Eagles Pointe. With fresh paint and new carpet (February 2026), a new architectural shingle roof (2024), and quality upgrades throughout, this home is truly move-in ready. The main level showcases an inviting foyer with engineered hardwood flooring and a versatile layout designed for both everyday functionality and elegant entertaining. A separate dining room is perfect for hosting gatherings, while a sitting room or dedicated office provides ideal work-from-home flexibility. A private sunroom offers a peaceful retreat for reading, relaxing, or additional workspace. At the heart of the home, the spacious family room with gas fireplace opens seamlessly to the expansive eat-in kitchen featuring granite countertops, double wall oven, gas cooktop, pendant lighting, a large center island with seating, and an abundance of maple cabinetry. Just outside the pantry, an additional storage room with a second refrigerator provides exceptional convenience for bulk storage. Additionally, a mudroom off the two-car garage adds practical everyday organization. Step directly from the kitchen to the rear paver patio—perfect for grilling, outdoor dining, or unwinding at the end of the day. Beautiful wood stairs lead to the upper-level luxurious primary suite complete with tray ceiling, private sitting area, TWO oversized walk-in closets, and a spa-inspired ceramic tile bath with jetted soaking tub, walk-in shower, dual vanity, and water closet. Three additional bedrooms and two full baths complete this level, including one bedroom with its own attached private bath—ideal for guests or multigenerational living. The expansive lower level is designed for fun and flexibility, offering the ultimate space to gather, entertain, and unwind. The spacious recreation room with durable LVP flooring and a built-in bar area is ready for game nights, celebrations, and weekend hosting. Movie lovers will appreciate the dedicated theatre room wired for built-in speakers and projector hookup—perfect for cinematic evenings at home. With its large closet and adjacent full bath, this space can easily serve as a fifth bedroom for guests or extended stays. An unfinished storage area provides plenty of room for seasonal décor, hobbies, and organized storage. Enjoy outdoor living with a paver patio, garden beds, and a full-yard irrigation system that helps maintain lush landscaping across the entire property. Residents enjoy resort-style amenities including a sparkling outdoor pool, tennis courts, clubhouse with fitness center, playgrounds, and vibrant year-round community events. This is a prime commuter location with quick access to I-95, Express/HOV lanes, Prince William Parkway, Minnieville Road, and Richmond Highway. Just minutes to the VRE Woodbridge Station with direct service to Washington, D.C., plus a nearby park-and-ride provides convenient options for carpooling, slug lines, and commuter bus service into Washington, D.C., the Pentagon, and surrounding employment centers. VRE riders also enjoy direct travel to Washington, D.C.’s Union Station, with convenient stops along the way, including Alexandria, Crystal City, and L’Enfant Plaza. Easy access to Quantico, Fort Belvoir, and the Pentagon. Close to Stonebridge at Potomac Town Center, Wegmans, Harris Teeter, Potomac Mills, IKEA, Downtown Occoquan, Occoquan Regional Park, and Leesylvania State Park—offering endless shopping, dining, and recreation options. This exceptional home offers space, comfort, and lifestyle—all in a prime commuter-friendly location! Some photos were virtually staged.
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.
