Discover exceptional value and space in this 5-bedroom home for sale in Ruskin, FL, located in the highly desirable Heron Pass community. Welcome to 2007 Sea Salt Ct, a move-in-ready home offering a bright open layout, low HOA, no CDD fees, and a fully fenced backyard—perfect for buyers searching for affordability and convenience in the South Shore area. The freshly painted first floor features an open-concept living and dining area with tile flooring, ideal for easy maintenance and high-traffic living. The kitchen offers excellent function and flow with Formica countertops, walk-in pantry, black appliances, white cabinets, and a large center island overlooking the main living space—great for entertaining or casual meals. Upstairs, the spacious primary suite features a large walk-in closet and private en-suite bath. Four additional bedrooms offer plenty of flexibility for a home office, guest rooms, fitness space, or multi-generational living. The second upstairs bathroom includes dual sinks, a highly sought-after feature for busy households. The entire second floor offers well-maintained carpeting for comfort and warmth. Step outside to enjoy a fully fenced backyard, perfect for pets, outdoor dining, or future personalization. This home is an excellent choice for buyers looking to maximize value without sacrificing comfort. Heron Pass is conveniently located near US-41, I-75, boat ramps, marinas, waterfront parks, beaches, restaurants, and shopping, making it easy to enjoy everything the South Shore lifestyle has to offer. Commuters will appreciate quick access to Tampa, St. Pete, MacDill AFB, and Apollo Beach. If you're searching for a spacious, affordable home in Ruskin with 5 bedrooms, flexible living spaces, and move-in-ready condition, 2007 Sea Salt Ct is the one. Don’t miss your chance to schedule a private tour of this beautiful home!
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.
