Thoughtfully upgraded and beautifully finished, this 4 bedroom, 3 full bath home offers 2,349 square feet of living space with an open, split-bedroom design that feels both spacious and functional. With a new roof in July 2026, upgraded finishes throughout, and a layout designed for everyday comfort, this home has so much to offer inside and out. The kitchen is truly the heart of the home, featuring a large center island, upgraded cabinetry, quartz countertops, stainless appliance package with gas range, undermount sink, recessed lighting, and a seamless connection to the main living space. The living room is anchored by a gas fireplace with a quartz fireplace profile, adding warmth and an elevated custom touch. The private primary suite is tucked away from the secondary bedrooms and includes a spacious bath with double vanity, quartz countertops, custom tiled shower, separate soaking tub, and walk-in closet. The additional bedrooms are thoughtfully placed throughout the home, offering flexibility for guests, children, office space, or additional living needs. Upgrades and special features include luxury wood-look ceramic tile flooring, quartz countertops throughout, upgraded cabinet and appliance packages, crown molding, recessed lighting, mud room with boot bench/drop zone, gas fireplace, two-car garage, covered rear patio, and a new roof installed in 2026. The exterior features a brick and stucco finish, sod, landscaping, and great curb appeal. Energy-efficient features include Low-E MI windows, radiant barrier roof decking, high-efficiency Carrier HVAC system with central gas heat, and a Rheem tankless gas water heater. With its open layout, split-bedroom design, upgraded finishes, major exterior update, and thoughtful details throughout, this home offers a beautiful blend of comfort, style, and everyday convenience.
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.
