VA loan
1 of 47
VA loan
$700,000
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Sign in to see required down payment for the 4.72% rate

21 Berea Knolls Dr, Fredericksburg, VA 22406

5 beds · 4 baths · 3,098 sqft

Welcome to 21 Berea Knolls Drive. This stunning colonial HAS OVER 4700 SQUARE FEET to stretch outt in and is tucked just off Route 17 in Stafford County, Virginia. Living here offers the best of both worlds—you’re close to the hustle and bustle of the shopping and dining that Route 17 provides, as well as the charming lifestyle of downtown Fredericksburg, known for its quaint shops, boutiques, historical plaques, and unique local eateries. There's so much more waiting for you to explore! As you enter your next home at 21 Berea Knolls Drive, the elegant entryway sets the tone. This welcoming space gives you a chance to showcase your personal style from the very beginning. Immediately to your left, the formal living room awaits. With classic crown molding, front-facing windows, and beautiful hardwood floors, this room is both timeless and inviting. Always dreamed of a personal library, parlor, or game room? This flexible space is full of possibilities, ready to match your lifestyle. Just beyond, the formal dining room is drenched in natural light, drawing attention to the craftsmanship of the detailed walls. Wainscoting and a tray ceiling elevate the space, making it perfect for special occasions. The stunning hardwood floors lead you into the heart of the home—the kitchen. Featuring a spacious island and adjacent breakfast room, this area truly says "welcome home." With ample counter and cabinet space, this kitchen is a dream for chefs and bakers alike. Don’t need a breakfast room? The abundance of windows makes this area perfect for a sunroom. Birdwatching, anyone? You’ll also enjoy easy access to the deck, creating a seamless indoor/outdoor dining experience. Whether you’re dining al fresco or just popping back in for a drink, this setup is a dream come true. Back inside, the informal living room awaits—complete with a gorgeous stone-front fireplace and plenty of natural light, making it a great space for entertaining. The main level also includes a home office, offering even more versatility. Whether you call it an office or a den, it’s ideal for productivity—or just relaxing! Upstairs, the primary suite is a showstopper. Plush carpeting, a tray ceiling, and abundant natural light make it the perfect retreat. The ensuite bathroom offers a true spa-like experience with marble flooring, a soaking tub, an updated shower, and dual vanities. The walk-in closet is the cherry on top. Three additional bedrooms and another full bathroom complete the upper level. On the lowest level, imagination has room to flourish. The finished basement is the perfect canvas for your projects, passions, or hobbies. A bedroom and additional living area provide excellent guest accommodations or multigenerational living. Previously used as a beloved movie theater, the bonus room expands the home’s livability even further.There is even an additional flex space that has been used as a craft room that can be additional storage or a game room. Backing to trees and featuring a patio and firepit, this home is located near the end of a cul-de-sac, offering peace, privacy, and charm. The backyard is an eco-friendly rain garden that is maintained by the HOA and enhances curb appeal while managing stormwater naturally- beautiful, sustainable landscaping with a purpose. 21 Berea Knolls Drive welcomes you to your next chapter in Stafford.

Estimated
Seller's interest rate
4.72%
7%
Estimated
Monthly payment

$3,384
$4,048
You may also save up to $214,468 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 $4,048 monthly payment

Financed
SIGNIN
Location
Loan details
Loan type
VA
Rate
4.72%
Remaining term
26 yrs and 11 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$3,384
Principal & interest
$2,574
Mortgage insurance
-
Property taxes
$466
Home insurance
$239
HOA fees
$104
Utilities
Not included

Source: Public records

Home details
Size
4,458 sqft
Lot size
0.24 acres
Year built
2014
Type
Single Family Residence
HOA dues
$104.00

Source: BRIGHT #VAST2038912

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.

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Last updated: Jun 24, 2025 11:37 pm
Listing agent: Virginia M Walker (540) 273-8787
Listing provided courtesy of: Coldwell Banker Elite (540) 659-2141
Details provided by BRIGHT and may not match the public record.
MLS ID: #VAST2038912
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
4.72%
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