Subject to Short Sale Approval- 2% Buyer premium due at time of settlement- Welcome to effortless luxury living in the heart of Potomac Shores—where lifestyle, design, and location come together seamlessly. This beautifully maintained interior-unit townhome, the highly sought-after Lachlan model by Stanley Martin Homes, offers the perfect blend of modern elegance and functional living. Known for award-winning craftsmanship and thoughtfully designed floor plans, Stanley Martin delivers open, flexible spaces tailored for the way you live. Step inside to discover rich hardwood floors flowing throughout the main level, setting the tone for a warm and inviting atmosphere. The open-concept design centers around a spacious gourmet kitchen with an oversized island, seamlessly connecting to the dining area and family room—ideal for both everyday living and entertaining. Upstairs, the home continues to impress with a private primary suite retreat, complete with a walk-in closet and spa-like bath, along with generously sized secondary bedrooms and convenient upper-level laundry. The Lachlan model is celebrated for its versatility, including flexible living spaces and a thoughtfully designed layout that adapts to your lifestyle. What truly sets this home apart is its exceptional outdoor living. Enjoy peaceful mornings or evening gatherings on your private deck overlooking serene green space, or take entertaining to the next level on the upper-level loft and terrace—a signature feature of this model that creates a rare indoor-outdoor lifestyle experience. Living in Potomac Shores means access to a resort-style community unlike any other in Northern Virginia. Residents enjoy miles of scenic walking and biking trails, pools, fitness facilities, and the renowned Jack Nicklaus Signature Golf Course. The community also features the Canoe Club with river access, social barns, community gardens, and a vibrant calendar of events. Future conveniences include a walkable town center and VRE commuter station, making this location as practical as it is picturesque. If you’ve been searching for low-maintenance living without sacrificing space, style, or amenities, this home delivers it all—beautifully positioned in one of the region’s most dynamic and amenity-rich communities. This is more than a home—it’s a lifestyle.
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.
