Welcome to 15897 Paseo Del Sur—a home that doesn’t just sit in Del Sur, it fully embraces it. Think sunshine, space, and a setting that feels just a little more special than the rest. Positioned on a prime corner lot beside open space, this home lives brighter, more private, and more expansive than expected. From the moment you arrive, there’s an effortless ease. Natural light pours in, the air feels open, and everything simply flows—the kind of feeling that makes you pause and think, “this is it.” Inside, you’ll find 4 bedrooms, 3.5 bathrooms, and approximately 3,005 square feet of thoughtfully designed living space. Hardwood floors add warmth and character, while built-in closet organizers bring everyday functionality. Step outside and the home truly shines. The backyard is designed for gathering—morning coffee by the custom fountain, evenings around the firepit, or hosting at the built-in BBQ with bar seating, all perfectly positioned to take in the view. The oversized two-car garage—one of the largest in Del Sur—features overhead storage and an EV/Tesla charger. A built-in refrigerator and upgraded garage door opener with digital wall pad add modern convenience. Located in the award-winning Poway Unified School District and close to Del Sur’s parks, pools, and amenities, this home offers a lifestyle of connection, comfort, and ease. If you’ve been searching for light, space, privacy, and community in 92127—this one stands apart. Del Sur offers more than just a place to live—it’s a true community experience. Located within the highly regarded Poway Unified School District, the neighborhood is served by Del Sur Elementary, Oak Valley Middle, and Del Norte High. Residents enjoy a lively calendar of community events that foster connection, along with close proximity to Highland Village shopping and convenient access to I-15 and Highway 56. With 14 thoughtfully designed parks, solar-heated pools and spas, an amphitheater, dog parks, pickleball and tennis courts, a skate park, and miles of scenic trails that extend into Black Mountain Ranch, Del Sur seamlessly blends everyday convenience with resort-style living.
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.
