2109 Bath Road is the kind of home that just makes sense - whether you’re buying for the first time, looking to downsize, or simply want an affordable, easy-to-manage place to call your own. Set on a corner lot in Bristol Township, this classic Cape Cod offers a straightforward layout with just the right amount of space and flexibility. It’s comfortable, practical, and in a location that keeps daily life simple. Inside, you’ll find just over 1,000 square feet with hardwood floors throughout the main level. The first-floor bedroom adds versatility, perfect for everyday living, guests, or a home office. Upstairs, the second floor opens into a spacious, flexible area that works beautifully as a primary bedroom, studio space, or cozy retreat. The layout feels open yet manageable, ideal for anyone who prefers low-maintenance living without sacrificing comfort. Outside, the home continues to deliver. A detached one-car garage and paved driveway offer plenty of parking and storage. There’s also a private patio alongside the garage, creating a welcoming spot to relax, grill, or gather with friends. The corner lot brings a little extra elbow room, something not always found with in-town homes. Location is where this property really shines. Bath Road connects directly to Route 13 (Bristol Pike), giving you quick access to I‑95 and the Pennsylvania Turnpike for easy commuting in any direction. Prefer the train? The Bristol SEPTA station is nearby and runs straight into Center City which is a huge plus for anyone working in Philadelphia. You’re also just minutes from the heart of Bristol Borough, a local gem with riverfront charm, coffee spots like Calm Waters, and neighborhood favorites such as The Borough Pub. Everyday errands are a breeze with nearby grocery options, takeout spots, and shopping along Route 13. Lower Bucks Hospital, as well as towns like Bensalem, Newtown, and Yardley, are all a short drive away. If you’re ready to take the step into homeownership, 2109 Bath Road is a smart, down‑to‑earth choice - affordable, flexible, and in a location that simply works.
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.
