Welcome to a home that feels easy to love from the start. This Manchester-Brookfield model in Potomac Shores offers 3,144 finished square feet across three finished levels, with Craftsman-inspired curb appeal, a welcoming front porch, crisp trim, and a polished exterior that feels timeless. Inside, the main level is bright, open, and welcoming, designed for both everyday living and effortless entertaining. Wood floors, recessed lighting, and connected gathering spaces create a warm, inviting atmosphere, while the gourmet kitchen naturally serves as the heart of the home. Featuring an island, pantry storage, and abundant workspace, it’s easy to imagine everything from busy weekday mornings to holiday meals and weekend get-togethers unfolding here. A convenient main-level powder room adds to the home’s functionality. Upstairs, four bedrooms and two full baths provide the space and flexibility today’s lifestyle demands. The primary suite offers a peaceful retreat at the end of the day, complete with a spacious walk-in closet and private bath. The additional bedrooms are surprisingly large and can easily adapt to changing needs, whether used for growing children, guest accommodations, home offices, creative pursuits, or simply extra room to spread out and enjoy. The finished lower level expands the home’s versatility even further. With a private bedroom and full bath, it creates the perfect space for overnight guests, a dedicated work-from-home setup, a media room, fitness area, or a comfortable retreat for extended visits. Whatever your needs today—or years from now—this flexible space is ready to adapt. The home is also being refreshed for its next owner with fresh interior paint in 2026 and new carpet in 2026, giving the interior a clean, refreshed, move-in-ready feel before you ever unpack. Solar panels add another thoughtful feature, offering potential energy efficiency and long-term value. Outside, the setting is a true bonus. Set on a corner-style homesite with community-maintained common grounds along the side, the home enjoys a more open feel without extra yardwork. The fenced rear yard offers space to grill, garden, relax, or unwind, while the attached two-car garage adds everyday convenience. Potomac Shores is known for offering one of the most amenity-rich lifestyles in the region. Residents enjoy access to the Jack Nicklaus Signature Golf Course, Ali Krieger Sports Complex, Canoe Club, state-of-the-art fitness center, movement studio, yoga lawn, clubhouse, community garden, working greenhouse, parks, trails, gathering spaces, and multiple pools, including an eight-lane competition pool and a family pool with sundeck and cabanas. Tennis courts, basketball courts, scenic trails, and community events create endless opportunities to stay active and connected. Conveniently located just minutes from I-95, Potomac Shores also provides easy access to shopping, dining, commuter routes, Stonebridge, Potomac Mills, entertainment, and the natural beauty of the Potomac River corridor. With generous living space, five-bedroom functionality, fresh 2026 updates, solar panels, a desirable Manchester-Brookfield layout, and an exceptional community lifestyle, this home offers the perfect blend of comfort, flexibility, and everyday enjoyment.
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.
