Welcome to one of the most desirable townhomes in Potomac Shores—where luxury finishes, breathtaking views, an OVERSIZED FINISHED 2-car garage, and an unbeatable financing opportunity come together. This exceptional 4-level, 4-bedroom, 3.5-bath residence offers a rare chance to ASSUME the seller's VA loan at an incredible 2.875% interest rate (VA eligible buyers only), creating significant monthly savings compared to today's market rates. Perfectly positioned on the quieter outer rim of the Town Center section, this home enjoys a setting that few others can match. Instead of looking directly into neighboring homes, you'll enjoy front-row views of the 17th hole and clubhouse of the Jack Nicklaus-designed Potomac Shores Golf Course, along with winter water views from the rooftop terrace. ADDITIONAL GUEST PARKING behind the home near the tot lot is another hard-to-find convenience. Why wait for new construction when this beautifully maintained home is move-in ready and showcases premium, designer-selected finishes throughout? The entry level features a legal fourth bedroom with a full bath, ideal for guests, a private office, or multigenerational living. The main level was designed for both entertaining and everyday comfort, featuring hardwood floors, a spacious gathering room, and a chef-inspired kitchen with stunning Bianco Antico granite countertops, an oversized center island, premium KitchenAid stainless steel appliances, gas cooktop with vented hood, built-in buffet, oversized walk-in pantry, and direct access to the outdoor deck. Upstairs, the spacious primary suite offers a large walk-in closet and oversized walk-in shower, while two additional bedrooms, a full bath, and conveniently located laundry complete the level. The top-floor loft is a true SHOWSTOPPER, featuring a WALL OF GLASS patio doors that frame the golf course views, an AUTOMATIC SHADE SYSTEM, and access to a private rooftop terrace with artificial turf, gas and water connections, and unforgettable sunrise views. Whether entertaining, relaxing, or enjoying morning yoga overlooking the course, this space offers a lifestyle few homes can match. Located directly across from The Shores Club, residents enjoy resort-style amenities including multiple pools, the Fitness Barn, Social Barn, event lawn, community gardens, kayak launch, and over nine miles of trails. The Potomac Shores Golf Club, Tidewater Grill, on-site schools, new sports fields, and future Town Center and VRE station add even more convenience and value. The HOA fee of approximately $200 per month INCLUES HIGH SPEED INTERNET, trash service, and access to community amenities. Conveniently located for commuters traveling to Quantico, Fort Belvoir, and the Pentagon, this home offers an exceptional combination of luxury, lifestyle, location, and value that is increasingly difficult to find in Northern Virginia.
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.
