BACK ON THE MARKET AND BETTER THAN EVER - THIS HOME IS TRULY MOVE IN READY! NO CDD FEE! GATED COMMUNITY! Freshly refreshed from top to bottom, it features brand new carpet throughout, new exterior paint, and a general update that leaves nothing left to do but unpack and enjoy. Offering almost 4000 sq ft, this spacious home includes 5 bedrooms and 4.5 bathrooms with both the primary bedroom and a guest suite on the main level. Upon entry, a flexible room to the left works beautifully as a living room, office, den, or music room, while the formal dining room sits to the right - perfect for everyday meals or special gatherings. The gourmet kitchen is generously sized and thoughtfully designed with grey cabinetry, roll-out shelving, abundant storage, quartz countertops, under cabinet lighting, a gas stove with decorative hood, and an oversized island with contrasting espresso cabinetry. A breakfast nook and built in tech center add everyday functionality. The kitchen opens seamlessly to the large family room featuring triple sliding glass doors that lead to the covered lanai. The partially fenced backyard offers plenty of space for outdoor living and is large enough to accommodate a pool plus have yard left over. Downstairs features wood-look tile flooring with carpet in the bedrooms and office. Upstairs includes a Jack-and-Jill bedrooms with shared bathroom, an additional bedroom with its own full bathroom, a loft area, bonus/theatre room, and a walk out attic for convenient storage. The staircase is highlighted by decorative iron spindles and hardwood treads. This home has been refreshed, well cared for, and is ready for its next owner. Nothing to do but move in and make it your own. HIGHLIGHTS: TWO STORAGE AREAS IN THE ATTIC "TECH" CENTER IN THE KITCHEN 3 ENTRANCES TO LANAI MOVIE ROOM OFF THE LOFT UPSTAIRS WAINSCOTING IN THE DINING ROOM LEAF FILTER GUTTERS GLASS CABINETS IN BUTLER'S PANTRY LOTS OF WALK-IN CLOSETS CRAFT CLOSET OFF THE LOFT AREA 3 CAR TANDEM GARAGE TRAY CEILING IN PRIMARY BEDROOM CROWN MOLDING IN MAIN AREAS OF GROUND FLOOR AND PRIMARY BEDROOM *COMMUNITY AMENITIES: POOL, DOG PARK, FENCED PLAYGROUND AND WALKING PATHS
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.
Data provided is deemed reliable but is not guaranteed. The data relating to real estate for sale on this website comes in part from the Northeast Florida Multiple Listing Service, Inc. The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. Copyright © 2026 Northeast Florida Multiple Listing Service, Inc. All Rights Reserved.
