Overlooking the 12th fairway of the Jack Nicklaus Signature Golf Course in Potomac Shores, this beautifully maintained 5-bedroom, 3 full and 2 half bath home offers STUNNING VIEWS, thoughtfully designed living spaces, and exceptional indoor-outdoor living in one of the community’s most sought-after locations. From the moment you arrive, the home stands out with its welcoming front porch, upper covered balcony, and distinctive double Juliet balconies, creating STRIKING CURB APPEAL and setting the stage for the beautiful spaces inside. Step through the front door and you’re greeted by 9-foot ceilings, wide-plank engineered flooring, and an elegant staircase that anchors the main level. A private home office with glass French doors sits just off the foyer, ideal for working from home or quiet study. The open kitchen and family room form the heart of the home and are designed for both everyday living and entertaining. Rich espresso cabinetry, granite countertops, a custom tile backsplash, under-cabinet lighting, and a gray-toned island create a warm and sophisticated space. The dining area is surrounded by windows that fill the space with NATURAL LIGHT and lead directly to the COMPOSITE DECK overlooking the golf course, perfect for outdoor dining and relaxing evenings. The family room features custom built-ins and CEILING SPEAKERS, creating a comfortable gathering space for family and friends. Just inside the two-car garage, a mudroom with built-in bench and powder room adds everyday convenience. Upstairs, the spacious primary suite captures peaceful golf course views and features two walk-in closets and a spa-like bath with soaking tub, dual vanities, and a large walk-in shower. Three additional bedrooms complete this level, including 1 with its own full bath and access to the covered front balcony, along with a hall bath and a laundry room with utility sink. The WALK-OUT lower level offers incredible flexibility for entertaining and everyday living. Enjoy a dedicated theater room with power recliners, television, speakers, and equipment THAT CONVEY, creating the ultimate movie-night experience. The large recreation room offers abundant space and includes a PLUMBING ROUGH-IN for a future wet bar. With high ceilings, large windows, and direct access to the patio, the space feels bright and open. This level also includes a 5th legal bedroom and a half bath that can easily be converted to a full bath. Outdoor living is just as impressive as the interior. The composite deck with built-in planters and string lighting overlooks the fairway, while the CUSTOM PAVER PATIO with knee wall and BUILT-IN FIRE PIT creates the perfect spot for relaxing evenings and gatherings. The FENCED BACKYARD with a 4-zone in-ground sprinkler system keeps the landscape looking its best. RECENT UPDATES INCLUDE: new carpet (2026), water heater (2026), Garage Door (2025), Samsung Bespoke Refrig. (2025), dishwasher (2024), washer and dryer (2024), garbage disposal (2025). Residents enjoy resort-style living in Potomac Shores, where the $180/month HOA includes high-speed 1G internet, trash service, and access to exceptional amenities including three pools, a state-of-the-art fitness center, the Jack Nicklaus Signature Golf Course and Tidewater Grill, miles of scenic walking trails, social clubs, and year-round community events. Covington-Harper Elementary, Potomac Shores Middle School, the Ali Krieger Sports Complex, and John Paul the Great Catholic High School are all located within the community. The future VRE station and town center are already planned, adding even more convenience to this vibrant neighborhood. Ideally located near Marine Corps Base Quantico, I-95, Route 1, Stonebridge Town Center, and Potomac Mills, this home offers the perfect blend of lifestyle, location, and comfort. BONUS OPPORTUNITY: The home is eligible for a VA assumable loan at 2.75% with an approximate balance of $545,000 through Lakeview. Contact the listing agent for details.
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.
