VA loan
1 of 44
VA loan
$949,846
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209 Elm St, Stafford, VA 22554

6 beds · 4 baths · 5,214 sqft

This isn’t just a house—it’s the one you've been waiting for. With 6 spacious bedrooms, including a main-level bedroom perfect for guests or multigenerational living, and 4 full bathrooms, this home offers flexibility, comfort, and timeless style for every stage of life. Step inside to find an inviting open layout, anchored by a modern kitchen with gleaming quartz countertops—a chef’s dream and the perfect gathering spot for family and friends. The main level flows effortlessly from formal to casual spaces, with plenty of natural light and thoughtful design throughout. Upstairs, the oversized primary ensuite is your personal retreat, featuring a spa-like bathroom and generous walk-in closet. Each additional bedroom offers plenty of space, ideal for family, home offices, or hobbies. Step outside and you'll fall in love with the low-maintenance composite deck and custom stamped concrete patio—an entertainer’s paradise. Whether you're hosting BBQs, enjoying cool evenings under the stars, or simply relaxing in your fenced yard, this outdoor space delivers. And here’s the best part: the home comes equipped with paid-off solar panels, saving you thousands in energy costs while reducing your carbon footprint. Located just minutes from I-95, commuter routes, Quantico, schools, and shopping, 209 Elm St offers the perfect blend of peace, privacy, and proximity. Homes with this much space, value, and style don’t last long. Schedule your private showing today and make it yours!

Estimated
Seller's interest rate
3.375%
7%
Estimated
Monthly payment

$4,298
$5,766
You may also save up to $469,808 in total interest paid.

Why Roam


Gap financing to lower your down payment

Unlock down payments as low as 5% – only with Roam

5x the likelihood your offer is accepted

If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close

Close faster and stress-free

We close 2x faster because of our deep experience and lender relationships

Rates and payments are estimates based on public records.

Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $5,766 monthly payment

Financed
SIGNIN
Location
Loan details
Loan type
VA
Rate
3.375%
Remaining term
26 yrs and 8 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$4,298
Principal & interest
$3,218
Mortgage insurance
-
Property taxes
$656
Home insurance
$324
HOA fees
$98
Utilities
Not included

Source: Public records

Home details
Size
5,214 sqft
Lot size
0.4 acres
Year built
2020
Type
Single Family Residence
HOA dues
$98.00

Source: BRIGHT #VAST2038582

Frequently asked questions

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.

View all FAQs
Last updated: Jun 19, 2025 11:23 pm
Listing agent: Brian G Mason (202) 759-8869
Listing provided courtesy of: Signature Move Real Estate (202) 858-1101
Details provided by BRIGHT and may not match the public record.
MLS ID: #VAST2038582
The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms in which Roam Brokerage, LLC participates, and is provided by BRIGHT through a licensing agreement. The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some properties which appear for sale on this website may no longer be available because they are under contract, have closed or are no longer being offered for sale. Information Deemed Reliable But Not Guaranteed. Copyright © 2025 Bright MLS. All rights reserved.
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Est. seller's rate
3.375%
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