Beautifully Refinished Townhome in Potomac Shores with Rooftop Terrace & Potomac River Views Welcome to this beautifully updated and meticulously maintained townhome in sought-after Potomac Shores, where thoughtful upgrades, elegant finishes, and an incredible location come together to create a truly exceptional home. The seller has recently made a significant financial investment to prepare this home for its next owners, including fresh interior paint and the addition of a brand-new main-level powder room, ensuring it is truly move-in ready. The showstopping 4th-level rooftop terrace offers Potomac River views and features both a gas hookup for a grill or outdoor heater and a convenient hose bib, making outdoor cooking, entertaining, and terrace maintenance easy and enjoyable. Just inside, an open bonus room with a wet bar rough-in makes this top level an entertainer’s dream. Inside the home, you’ll immediately notice the hardwood floors throughout, plantation shutters, upgraded lighting and ceiling fans, and a fresh interior paint completed in 2026, creating a bright, modern, move-in-ready feel throughout. The kitchen is beautifully appointed with a large center island, wall oven/microwave combo, oversized cooktop, walk-in pantry with upgraded storage, and abundant cabinetry including extra space perfect for a buffet area or coffee bar. A new refrigerator (2024) completes the space. The entry level offers a spacious and versatile living area that can function as a home office, lounge, or flexible entertaining space, along with a brand-new powder room added in 2026. This level also provides access to the oversized two-car garage, featuring finished walls and a textured finished floor, along with a garage door opener system with backup battery and new rails installed in 2022. Upstairs, the primary suite includes a beautifully updated bathroom featuring a frameless glass shower enclosure installed in 2022, adding a modern spa-like touch. Additional improvements include a new front door (2023), exterior painting completed in 2023, new gutters installed in 2024, and a whole-home water softener. Living in Potomac Shores means enjoying an unmatched lifestyle. This home is ideally located within walking distance to neighborhood amenities, including Tidewater Grill, the Jack Nicklaus Signature Golf Course, the Social Barn, and the Fitness Barn. For commuters, the new VRE station is well underway, offering the future opportunity to park in your garage and take the train into the city with ease. As part of the HOA fees, Verizon FiOS is included. River views, rooftop entertaining, and extensive upgrades make this home an incredible opportunity in one of Northern Virginia’s most exciting waterfront communities. *** Some Photos are Virtually Staged ***
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.
