Extremely well-maintained and thoughtfully updated townhome offering timeless finishes and exceptional functionality throughout. The entry level features a spacious recreation room anchored by a striking stone accent wall with a gas fireplace, along with a conveniently located powder room. The main and bedroom levels showcase hardwood flooring, complemented by an open-concept floor plan, abundant natural sunlight, plantation shutters, and custom window treatments throughout. A classic oak staircase with white spindles and chair rail detailing adds architectural character, while high ceilings and a gallery-style hanging system provide an ideal backdrop for showcasing artwork. The main level living room is both elegant and inviting, enhanced by integrated ceiling speakers for an elevated entertaining experience. The dining room is beautifully appointed with a globe chandelier installed in 2021, accent glass hurricane sconces, and refined wainscoting. A second powder room is also conveniently located on this level, along with a welcoming family room just off the kitchen. The kitchen is well-equipped with a GE gas-on-gas cooktop (2017), hanging pot rack, instant hot water dispenser (2026), Bosch dishwasher (2021), and GE French door refrigerator (2018). A wall-mounted television adds convenience to the adjoining family room space. As you ascend to the bedroom level, decorative niches enhance the transition. This level offers three bedrooms, including a well-appointed owner’s suite featuring a ceiling fan with light, walk-in closet, and an en-suite bath complete with a double sink vanity, soaking tub, walk-in shower, linen closet, and separate water closet. A laundry area with LG front-loading washer and dryer (2018) is also conveniently located on this level. The third bedroom features an Elfa organization system, providing excellent storage and functionality. The upper-level loft provides exceptional versatility and can function as a fourth bedroom, complete with a third full bath featuring a walk-in shower and a closet with Elfa organization. The loft also includes a wet bar with beverage refrigerator and opens to a private rooftop terrace with serene views of the wetlands. Additional highlights include an oversized two-car garage with ample storage and shelving. Significant system updates include Andersen windows (2018), water pressure tank (2017), dual-zone HVAC system (2016), whole-house humidifier (2018), and germicidal UVC lamp (2024). The home reflects over $84,000 in upgrades and improvements. Set within the highly sought-after Potomac Greens community, this home offers unparalleled convenience to Amazon HQ2, the Virginia Tech Innovation Campus, and the Potomac Yard Metro. Community amenities include scenic nature trails, brick-paved sidewalks, a clubhouse with meeting and party space, a fitness center, a heated outdoor pool, landscaped parks, and tot lots. Ideally located just minutes from Old Town Alexandria and the vibrant shops and restaurants of Del Ray, with easy access to the George Washington Parkway and the Mount Vernon Trail. Commuting is effortless with quick connectivity to I-495, I-395, and I-95, and only two traffic lights to downtown Washington, D.C., and Ronald Reagan Washington National Airport. This is a rare opportunity to own a truly exceptional townhome where timeless craftsmanship meets modern luxury, offering an elevated lifestyle in one of Northern Virginia’s most desirable 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.
