From the moment you walk in, this home just feels right. Light-filled, thoughtfully designed, and truly move-in ready, it’s the kind of place that’s easy to picture yourself in from day one. This beautifully maintained 3-bedroom, 2 full and 2 half bath townhome delivers an effortless flow across the main level, where soaring ceilings and an open-concept layout bring the living, dining, and kitchen spaces together in all the right ways. The chef-inspired kitchen anchors the space with a generous island, perfect for morning coffee or evening entertaining, paired with sleek modern finishes, stainless steel appliances, and a pantry that keeps everything within reach. Step outside to the back deck, your private extension of the living space, ideal for summer gatherings, quiet evenings, or anything in between. Upstairs, the primary suite is a true retreat. A tray ceiling adds architectural elegance, while a spacious walk-in closet and a spa-like bath with dual vanities and an oversized walk-in shower make unwinding effortless. Two additional bedrooms, a full hall bath, and a brand-new washer and dryer round out the upper level with everyday comfort that truly makes a difference. The lower level opens up even more possibilities, offering a finished recreation space ready to become your home office, gym, media room, or all three, plus an additional half bath for added flexibility. An attached garage adds convenience. Built by Ryan Homes, the home reflects quality craftsmanship and modern design. The community offers a strong lineup of amenities, including a basketball court, pickleball courts, and more. Commuting is simple with quick access to Route 210 and the Capital Beltway, all while coming home to a setting that feels a world away from the hustle.
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.
