Welcome to this beautifully upgraded three-level townhome in the highly desirable Village at Crosskeys, offering approximately 1,825 square feet of stylish living space designed for comfort, functionality, and modern living. Built in 2015, this meticulously maintained home features three spacious bedrooms, two and one-half bathrooms, and an impressive list of recent updates throughout. Fresh paint creates a bright, inviting atmosphere, while new luxury vinyl plank flooring installed in 2025 enhances the living room, kitchen, and bathrooms with a sophisticated, low-maintenance finish. The open-concept main level showcases 9-foot ceilings and an abundance of natural light, creating an ideal setting for both everyday living and entertaining. The stunning kitchen is beautifully appointed with granite countertops, a granite breakfast bar, 42-inch cabinetry, a stylish tile backsplash, recessed lighting, a pantry, newer luxury vinyl plank flooring, and a full suite of updated appliances including a refrigerator (2024), dishwasher (2026), stove (2026), and microwave (2026). Sliding glass doors lead directly to a maintenance-friendly composite deck, providing the perfect outdoor extension for dining, grilling, or simply relaxing. Adjacent to the kitchen, the spacious family room features recessed lighting and a ceiling fan, creating an inviting gathering space. The welcoming foyer leads to a finished lower-level den complete with recessed lighting and carpeting, offering flexible space ideal for a home office, media room, fitness area, or additional lounge. Step outside to enjoy the beautiful covered paver patio, providing another exceptional outdoor living area for entertaining or unwinding. Upstairs, the expansive primary suite offers abundant natural light, recessed lighting, a generous walk-in closet, and a private en-suite bath. Two additional bedrooms, a second full bathroom, and the conveniently located upper-level laundry with newer washer and dryer (2024) complete the upper floor. Additional upgrades include a new heating and air conditioning system installed in 2025 and a Rain Soft water filtration system for enhanced everyday comfort. The HOA provides lawn care and common area maintenance, allowing more time to enjoy the beautifully maintained community. Conveniently located near shopping, restaurants, parks, recreation, and major commuter routes, this exceptional townhome combines modern finishes, thoughtful updates, quality craftsmanship, and low-maintenance living in one of the area's most sought-after neighborhoods. Every detail has been carefully maintained, creating a move-in-ready home that offers the perfect blend of elegance, comfort, and convenience.
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.
