Better than waiting to build — fully upgraded Lennar Amalfi on a cul-de-sac in Polo Run with a brand-new 2025 custom pool & spa. Why buy new and then spend the next year adding upgrades when this home already has the big-ticket items finished — outdoor living, appliances, storage systems, generator, and water filtration — ready from day one? Welcome to Polo Run at Lakewood Ranch, where efficiency and resort living come together. This spacious 4 bedroom, 3 bathroom Lennar Amalfi floor plan is perfectly situated on a quiet cul-de-sac and offers a layout designed for comfortable everyday living and entertaining. Inside, the open-concept great room connects seamlessly with the kitchen and dining areas, creating a bright, functional living space filled with natural light. The kitchen has been thoughtfully upgraded with a large island, new 2024 appliances, updated backsplash, upgraded lighting, and a dedicated custom coffee station. Tile flooring throughout the main living areas provides a clean look and easy maintenance ideal for Florida living. Storage is a major standout — every closet has been professionally built out with custom shelving systems (transferable lifetime warranty), the laundry room includes added cabinetry, and additional storage was created under the stairs. The real showpiece of the home is the outdoor space. Completed in 2025, the custom pool and spa transform the backyard into a private retreat. The screened lanai and landscaped borders create a true extension of the home — perfect for relaxing evenings, entertaining guests, or enjoying year-round Florida weather. Significant upgrades already completed for the next owner include: • Whole-home generator • Whole-home water filtration and reverse osmosis system • New appliances (2024) • HVAC air purification/UV system with remaining coverage • Glass shower enclosures • Upgraded lighting and accent walls • Added storage features throughout the home Located in the gated, solar-powered community of Polo Run, residents enjoy a clubhouse, resort-style pool, fitness center, tennis, pickleball, bocce courts, dog park, and playground. The solar lease transfers to the buyer, helping keep energy costs lower. This home offers what new construction cannot — a completed property where the expensive upgrades, backyard, and post-closing work are already finished. Move in and immediately enjoy the Lakewood Ranch lifestyle without the build time or added expense.
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.
