Beautiful Interior pictures will be uploaded Thursday. Open Friday 4-6pm & Saturday 1-3pm!Nestled on a beautifully landscaped and fenced lot on a quiet cul-de-sac street in Vienna's sought-after Wayside neighborhood, this thoughtfully renovated 5-bedroom, 3-full-bath home offers 2850 square feet of finished living space plus over 800 square feet of partially finished lower-level space, blending timeless charm with modern updates in a picturesque setting. A welcoming foyer opens to the living room and remodeled kitchen, creating an open and connected feel throughout the main living spaces. The generously sized living room is pre-plumbed for a future gas fireplace insert, offering the opportunity to create an inviting focal point. The remodeled kitchen serves as the heart of the home, featuring custom birch cabinetry, granite countertops, a center island, skylight, Electrolux double ovens, warming drawer, Wolf downdraft cooktop, and Dacor refrigerator. The kitchen and living room flow seamlessly into the dining room, while the kitchen and dining room provide direct access to the screened porch, deck, and stone patio, creating exceptional indoor-outdoor living and entertaining spaces. The renovated family room features recessed lighting, a convenient garage-entry cubby area, and the removal of dated wood paneling and faux ceiling beams, resulting in a bright and inviting gathering space. Hardwood flooring extends throughout the main and upper levels, while engineered hardwood flooring enhances the family room and main-level fifth bedroom. The lower level features newly installed luxury vinyl plank flooring, providing additional flexible living and storage space. All three full baths have been updated, including a beautifully renovated upper-level hall bath enhanced by a skylight that fills the space with natural light. Updated lighting, interior doors and hardware, flooring, and fresh finishes create a cohesive, move-in-ready feel throughout. Outdoor living is equally impressive with a screened porch, deck, stone patio, fenced backyard, mature trees, and extensive landscaping. The private yard offers abundant space for entertaining, recreation, gardening, or simply enjoying the peaceful natural surroundings. Significant capital improvements include a new furnace and air conditioning system (2021), upgraded 75-gallon water heater (2021), replacement of the sewer line from the home to the street, upgraded electrical box, replacement windows, chimney improvements including a new chimney cap and resealed chimney crown and flue (2025), fencing, and numerous renovations completed throughout the home over the years. Located in the highly desirable Wayside community, residents enjoy access to Difficult Run parkland, the W&OD Trail, Fairfax Cross County Trail, and the nearby Hunter Mill Swim & Racquet Club. Just minutes from Reston Town Center, Tysons, Metro, shopping, dining, and major commuter routes, Wayside offers the perfect blend of convenience, natural beauty, and community connection. A rare opportunity to own a beautifully renovated home with exceptional outdoor living spaces in one of Vienna's most beloved neighborhoods.
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.
