Welcome to the beautifully designed Citrus Grove Floor Plan by Pulte Homes, a highly sought after layout known for its comfort, functionality, and spacious open feel. Perfectly positioned in a prime location, this home places you just minutes from stunning Florida beaches, vibrant Lake Nona, the Florida Turnpike, and SR-417, making commuting and weekend escapes effortless. Enjoy the convenience of nearby shopping centers, dining options, grocery stores, and everyday essentials, all just moments from your doorstep. With 2,855 square feet, 5 bedrooms, and 3 full bathrooms, this home offers the perfect blend of warmth, comfort, and room to grow. From the moment you step inside, you’ll appreciate the open and inviting layout. The heart of the home is the stunning kitchen, featuring 42-inch cabinets, stainless steel appliances, generous counter space, and a large center island that’s perfect for gathering with family and friends. Whether you're hosting holidays or enjoying a quiet morning coffee, this space was designed to bring everyone together. The primary suite is conveniently located downstairs, offering privacy and ease. The en-suite bathroom features a spacious walk-in shower, creating a relaxing retreat. Also on the main floor, you’ll find an additional bedroom and full bathroom ideal for guests or a home office as well as a downstairs laundry room for added convenience. A whole home water filtration system adds comfort and peace of mind. Upstairs, the home truly opens up with a spacious loft perfect as a media room, playroom, or second living area along with three generously sized bedrooms, each featuring walk-in closets, providing plenty of storage for everyone. Step outside to your covered lanai, a welcoming space to relax, entertain, or enjoy peaceful evenings year round. The backyard is fully fenced, offering added privacy and peace of mind perfect for pets, play, or simply enjoying your own private outdoor retreat. Located in a wonderful community featuring a resort-style pool, playground, and fitness center, and situated near highly rated schools, this home checks every box for comfort, convenience, and lifestyle. Schedule your tour 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.
