In one of Atlanta’s fastest-growing intown neighborhoods, this Riverside standout offers elevated living with city energy and neighborhood ease. Designed for flexibility and flow, the home features 3 bedrooms, 2.5 bathrooms, a third-floor bonus room, and 2,244 square feet of smart, functional space that works as hard as you do. The main level blends natural light with warm hardwoods, an open layout, and a well-equipped kitchen featuring granite countertops, stainless steel appliances, plenty of cabinet space, and an island for prep, gathering, or casual meals. Just off the kitchen, a built-in mud area with storage offers a stylish and practical drop zone for daily life. Upstairs, the spacious primary suite includes a dedicated sitting area that creates the perfect spot to unwind, read, or start the day quietly. The en-suite bathroom features double vanities, a tiled shower, a soaking tub, and direct access to a generous walk-in closet. Two additional bedrooms upstairs offer plenty of space for guests, family, or flexible use. And if you’ve ever run out of room in other homes, you’ll appreciate the thoughtful nooks and extra closets this one offers. There is a place for everything. The third-floor bonus room is a true flex space with options to match your lifestyle. Use it as a quiet home office, a creative studio, a home gym, a media lounge, or even a guest retreat. Its tucked-away location gives it just the right balance of separation and functionality. Outdoor living is just as impressive. A screened-in patio opens to a fully fenced, oversized backyard that is perfect for entertaining, gardening, letting pets play, or simply enjoying your own green space. This yard is larger than most in the neighborhood and a true asset for city living. Minutes from the Westside BeltLine, West Midtown, and Westside Park, and close to local favorites like Scofflaw Brewing, The Companion, and Publix, this location offers unmatched access to everything Atlanta has to offer. Mercedes-Benz Stadium is just 17 minutes away, making this a smart and stylish choice ahead of the 2026 World Cup.
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.
