Charming 1897 Farmhouse on Nearly ½ Acre in a Coveted Neighborhood — Close to Parks, Shopping & Interstates 70 & 81! Welcome to a beautifully preserved piece of history! This 1897 farmhouse is filled with warmth, character, and thoughtful updates—making it a rare find. Nestled on nearly half an acre, this home has been lovingly maintained by just three families in its 125+ year history. The original owners, the Bussard family, were among the founding farmers who sold their land to develop the neighborhood—giving this home deep local roots and a rich story to tell. Inside, you'll find incredible storage throughout: * Cedar-lined closets in two bedrooms * A 13-foot custom walk-in closet in the primary bedroom * Built-in cabinetry in the dining room, living room, and upstairs den (or 4th bedroom) * A coat closet in the living room, complete with a large hidden space beneath the back stairs The **large eat-in kitchen** offers plenty of room for gatherings, featuring a pantry cabinet and generous storage. With a **circular main-floor layout**, the home flows easily from room to room, making entertaining effortless. Upstairs, the bedrooms are spacious and inviting, with hardwood floors, solid wood doors, and wood-framed windows that overlook mature trees and gardens. Additional highlights include: * Two staircases leading to the upper level * A whole-house attic fan with a custom cover * Recessed lighting in many rooms * A cozy living room fireplace * A massive unfinished attic—ideal for storage or potential future living space * A dirt cellar with gorgeous stone walls, an original fireplace, and a perfect spot for an extra fridge or freezer Step outside and enjoy your morning coffee on the charming side porch, which cleverly hides a tool shed. The newly paved driveway runs along the property edge and opens into a large front yard, while the backyard offers: * A 10x10 shed with a woodworking bench * An old cistern, perfect for composting or making mulch * Established gardens and mature trees—ideal for a swing, climbing, or simply relaxing outdoors Located in a welcoming, tight-knit neighborhood, this home is just four blocks from Marty Snook Park home to trails, playgrounds, and community events. Families will appreciate having an elementary school right in the neighborhood, while everyone will love the quick access to Interstates 70 and 81 local parks, and shopping and dining just minutes away. This home perfectly blends timeless historic charm with modern conveniences and invites you to become part of its story. Don’t miss your chance to own a piece of local history in one of the area’s most beloved and conveniently located 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.
