Welcome to 217 Willow Run, a beautifully maintained, move-in ready home located in the heart of Cibolo. Featuring 3 bedrooms, 2.5 bathrooms, and 2,404 square feet of thoughtfully designed living space, this home blends comfort, style, and functionality in every detail. From the moment you arrive, the inviting front porch and charming curb appeal create a warm first impression. Inside, the main level features stylish luxury vinyl plank flooring, creating a modern, low-maintenance space ideal for both everyday living and entertaining. The spacious layout includes multiple living areas and a well-equipped kitchen designed for both function and flow. Pride of ownership is evident throughout, with added features such as a water softener and a full sprinkler system that keeps the yard lush and green year-round. The primary suite offers a relaxing retreat complete with a tray ceiling, oversized walk-in closet, and a private en suite bath featuring a dual vanity, soaking tub, and separate walk-in shower. The large loft provides flexible space for an additional living area, game room, or home office, while two additional spacious bedrooms deliver comfort and versatility. Step outside to your covered back patio with a ceiling fan, perfect for relaxing or entertaining while enjoying the beautifully maintained backyard. Located in the highly sought-after SCUCISD and zoned for Steele High School, this home is just minutes from Randolph Air Force Base, shopping, dining, and everyday conveniences truly making this home one that has it all. Even better, this property offers an assumable interest rate for eligible VA buyers at 4.875%! Don't miss your opportunity to make this exceptional home yours. Schedule your showing today!
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.
