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2305 Harmsworth Dr, Dumfries, VA 22026
4 beds · 5 baths · 4,445 sqft
VA Assumable at 2.99% for Qualified Buyers! Welcome to the Berkley Model in Potomac Shores – A Perfect Blend of Style, Comfort, and Convenience Nestled on a premier cul-de-sac lot, this stunning Berkley model home backs to serene trees, offering both privacy and tranquility. With three fully finished levels, this expansive residence has been thoughtfully updated with brand new LVP flooring, craftsman trim, and stylish hardware throughout, giving it a fresh and modern feel. Additionally, the energy-saving solar panels on the roof, complete with a transferable warranty, make this home not only beautiful but also environmentally conscious. Upon entering, you'll be greeted by a spacious foyer that flows into the main level office, complete with glass double doors for privacy—perfect for working from home. The formal dining room, ideal for hosting gatherings, is located just off the foyer. The heart of the home is the gourmet kitchen, a chef’s dream, featuring raised-panel cabinetry, granite countertops, stainless steel appliances, a large center island, a pantry, and a ceramic tile backsplash. The oversized, bright family room off the kitchen includes a cozy gas fireplace, creating the perfect space for relaxation. The upper level offers generously sized bedrooms, including the luxurious primary suite. This retreat boasts a large walk-in closet and a spa-like bath with a soaking tub, a walk-in shower with a bench, a double vanity, and upgraded finishes throughout. For added convenience, the laundry room is also located on the upper level. The finished lower level basement is an entertainer’s paradise, featuring a new half bath, a spacious rec room, and an unfinished room perfect for a future den, office, playroom, or gym. Storage space abounds, ensuring there’s room for everything. Step outside to enjoy your own private oasis, with a composite deck and stone patio that overlook a fully fenced backyard—ideal for quiet evenings or gatherings with family and friends. Additional features of this home include window blinds, recessed lighting, a two-car garage, an in-home fire sprinkler system, and so much more. This home offers an incredible blend of functionality, comfort, and modern living. Located in the sought-after community of Potomac Shores, you’ll be just minutes away from the upcoming VRE station, top-rated schools, shopping, scenic walking trails, and so much more.
Source: BRIGHT #VAPW2096020
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #VAPW2096020
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.
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.
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.
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