All furniture in the home conveys with the sale. The upper-level carpet can be replaced, with color selected based on the buyer’s preference. If you’ve been searching for a spacious luxury single family home with exceptional features, this one truly delivers. Offering approximately 4,890 finished square feet, this beautifully maintained residence includes 5 bedrooms, 4 full bathrooms, and a main level powder room. Thanks to the expanded living area above, the basement bedroom below is impressively sized, easily accommodating a full king size bedroom suite with room to spare. Step outside through the expansive 6-foot-wide walkout basement entrance to enjoy a thoughtfully designed outdoor retreat. The stamped concrete patio (2022), double screened-in decks, and welcoming front porch create the perfect setting for summer evenings or effortless entertaining. A 6-zone irrigation system keeps the grounds lush, while Govee exterior accent lighting adds customizable ambiance year round and for special occasions. Inside, refined upgrades and quality finishes are showcased throughout. The homeowner’s curated collection of global pieces lends a distinctive, museum like elegance to the space. Solid walnut hardwood floors (installed in 2021) pair beautifully with new basement flooring (2025), while 9-foot ceilings on the main level and upper hallway enhance the home’s bright, open feel. The basement is designed for entertaining, featuring a stylish wet bar with built in wine fridge. Additional highlights include a whole home central vacuum system, security system, dual Trane HVAC systems (approximately 2 years old), and an interior fire sprinkler system for added peace of mind. Customized mud room and pantry also cabinets in the garage adds your daily convenience. Enjoy resort-style living in Potomac Shores, a vibrant waterfront community offering an exceptional lifestyle. Residents have access to three pools, a state-of-the-art fitness center, scenic trails, a community garden, kayak launch, social barns, Tidewater Grill, and the renowned Jack Nicklaus–designed golf course. Exciting future developments continue to enhance the community, including the upcoming VRE station, expanding Town Center with riverside dining, a new waterfront park, a planned elementary school opening in 2027, and a future grocery store near the parkway extension to Route 234. Ideally located near I-95, Quantico, Fort Belvoir, and Washington, D.C., this home offers the perfect blend of luxury, convenience, and lifestyle. Don’t miss this rare opportunity to own a beautifully upgraded home with exceptional indoor and outdoor living spaces in one of Northern Virginia’s most sought-after communities.
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.
