From the moment you walk through the front door, you feel it—this home is different. Immaculate, bright, and meticulously maintained, it shows like it was just built… because it’s been cared for that well. A wide, open foyer leads you into a spacious open-concept living area filled with natural light and clean, modern finishes. One of the first things you’ll notice is the flooring—new luxury vinyl plank has been extended into all bedrooms and previously carpeted areas, creating a seamless, high-end look throughout the entire home. At the heart of the home is a standout kitchen designed for real living. You’ll find abundant cabinetry, expansive counter space, stainless steel appliances, and a large walk-in pantry—giving you both function and flow whether you're hosting or just enjoying a quiet night in. The layout is thoughtfully designed with a true split-bedroom plan. Toward the front, a private guest suite offers flexibility for visitors or multi-generational living. Two additional bedrooms are tucked away in the center of the home with a full bath, while the main primary suite is privately positioned at the rear. The primary suite delivers—dual vanities, a spacious walk-in shower, oversized linen storage, and his-and-hers closets that actually make sense. It’s comfortable, functional, and feels like your own private retreat. Step outside and this is where the home really separates itself. The backyard features a large, extended pavered patio—an oversized outdoor space that is perfect for dining, entertaining, and gathering with ease. This is not your standard builder patio. The screened-in patio lets you relax and enjoy summer rains comfortably, while the fully fenced yard adds both privacy and value. And here’s where this home wins—why wait months for new construction, deal with builder add-ons, and spend more… when you can have a practically new home for less, already upgraded and move-in ready? Not to mention this is one of the few new construction home that is concrete block which is always tried and true. This home comes with real peace of mind: termite bond, pest control, and annual HVAC maintenance already completed. You also have a transferable 10-year builder warranty, plus HVAC and termite warranties. Built with solid concrete block construction, it’s as durable as it is beautiful. Located just 14 miles from the beach, 5 miles to I-95, and minutes to shopping and dining, this home offers both convenience and lifestyle. The community includes a pool, clubhouse, and sidewalks—all with low HOA and CDD fees. Bottom line—this home needs nothing and has everything. It shows better than new, is fully upgraded, and is ready for immediate enjoyment. Schedule your showing—because this one stands out, and it won’t last.
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.
