18030 Stump St, Dumfries, VA 22026
6 beds · 5 baths · 5,722 sqft
Assumable Loan at 3.62%! Welcome to your dream home in the heart of Potomac Shores, one of Northern Virginia’s most sought-after resort-style communities. Located on a quiet, private dead-end street, this expansive Kensington floor plan offers over 5,700 finished square feet, including 6 bedrooms and 4.5 baths—perfect for multi-generational living, large families, or those who love to entertain in style. Step inside to find a bright, open-concept main level with elegant formal living and dining rooms, a main-level guest en-suite, and a gourmet kitchen featuring quartz countertops, stainless steel appliances, a walk-in pantry, and a butler’s pantry connecting to the dining room. The sun-filled family room with a dramatic stone fireplace opens to a sunroom and large deck, ideal for indoor-outdoor living. A spacious mudroom with custom shelving and built-ins adds functional charm. Upstairs, you’ll find generously sized bedrooms, each with walk-in closets. The luxurious owner’s suite offers two walk-in closets, a serene sitting room with sunset views, and a spa-like en-suite bath with soaking tub, dual vanities, and separate shower. A well-equipped laundry room with front-load washer/dryer and utility sink is also located on the upper level for convenience. The fully finished basement adds nearly 2,000 sq. ft. of additional living space, including a media room with screen and projector setup, a large recreation area, an additional bedroom and full bath, and a huge storage room with walkout access to the backyard. Living in Potomac Shores means enjoying resort-style amenities like a Jack Nicklaus Signature Golf Course, The Shores Club fitness and recreation center, miles of nature trails, pools, and courts for basketball, tennis, and pickleball. High-speed internet, neighborhood events, and access to top-rated on-site schools (Covington-Harper Elementary and Potomac Shores Middle) are all part of the lifestyle. The future VRE commuter rail station and town center will add even more value and convenience. With an assumable loan at just 3.62%, this exceptional home offers luxury, location, and financial advantage—a rare combination in today’s market. Don’t miss this incredible opportunity!
Source: BRIGHT #VAPW2091808
Source: BRIGHT #VAPW2091808
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.
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.
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.