Welcome to 211 Lucchese in San Antonio, Texas, a beautifully maintained home offering generous living space, thoughtful upgrades, and comfortable everyday functionality. Designed for both entertaining and daily living, this move-in ready residence blends timeless style with modern convenience throughout. At the heart of the home is a chef-inspired kitchen featuring a large center island, abundant cabinetry, double-stacked upper cabinets for added storage and visual appeal, wiring for over-cabinet lighting, and a convenient butler's pantry area. The open and inviting layout is enhanced by recessed lighting in the main living areas, ceiling fans in every bedroom, and custom plantation shutters throughout the home, adding elegance, privacy, and energy efficiency. The spacious primary suite provides a relaxing retreat with a large walk-in closet, walk-in shower, and garden tub. Upstairs, a versatile third living area offers flexibility as a game room, media room, family room, or home office. The second floor also includes four spacious bedrooms with walk-in closets, including two bedrooms connected by a Jack-and-Jill bathroom, along with a linen closet for added storage. Outdoor living is equally impressive, with an extended covered patio equipped with electric shades and pre-wiring for two ceiling fans, lighting, and cable/TV. This inviting outdoor space is ideal for relaxing, entertaining, or enjoying San Antonio evenings year-round. The backyard also features a brand-new storage shed built in 2026, a full-yard sprinkler system, updated exterior water fixtures, and well-maintained landscaping that enhances the home's curb appeal. Additional highlights include a three-car garage with garage doors replaced approximately two years ago, complete ADT security system wiring, security cameras covering the front garage area and backyard patio, updated door knobs, upgraded lighting and ceiling fans, and multiple improvements already completed by the owners. From the plantation shutters and electric patio shades to the sprinkler enhancements and new storage shed, these thoughtful upgrades offer comfort, convenience, and lasting value. With spacious interiors, quality finishes, strong curb appeal, and excellent outdoor amenities, 211 Lucchese is a standout San Antonio home designed to meet the needs of today's homeowner.
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.
