Modern Masterpiece at 2388 Dakota Trail 5 BR | 3.5 BA | 0.50 Acre | The Rare Find You’ve Been Waiting For Introducing an immaculate, fully renovated traditionally urban home where "new" is the standard. Nestled on a serene, half-acre lot in a well-established subdivision, this property has been meticulously redesigned with distinctive detail. Priced aggressively for a quick sale, this home offers the peace of mind of a new build with the character of an established neighborhood.-The Designer Interior Experience a bright, open-concept layout elevated by modern track lighting and a 60” designer fireplace perfect for cozy evenings. Chef’s Kitchen: A culinary connoisseur’s dream featuring high-end appliances, a classic farmhouse sink, and custom cabinetry. The Master Suites: Unique "Roommate Plan" or In-Law Suite setup. All bedrooms are oversized and inviting, featuring a second Master Suite that is completely private and secluded from the main living spaces. Luxury Baths: Jaw-dropping renovations including anti-fog mirrors and premium finishes- A Truly Smart Home Future-proofed and tech-integrated for modern living: USB-C electrical outlets installed throughout. Smart Home Tech: Digital front door, smart thermostats, and smart fans throughout. Efficiency: NEW windows, NEW flooring, and NEW designer lighting- Your Private Oasis & Flex Space The Deck: Step out onto a brand-new, multi-leveled over-extended deck—the ultimate spot for family gatherings. The Yard: Fully fenced and massive, offering true privacy. The Basement: A "blank slate" featuring 420 sq. ft. of finished open space ready for your gym, office, or theater, plus an unfinished area with a 1-car garage for a workshop/storage-Certified Move-In Ready (2026 Updates) We’ve done the homework for you. A full professional inspection was completed in January 2026, ensuring everything is in excellent working order. HVACs & Water Heater: Brand NEW (2026) Roof: Approximately 7 years young Septic & Plumbing: Serviced, pumped, and updated (Dec 2025/Jan 2026) Smart Garage: New door with smart monitors :New Windows. The picutures truly don't do the Gem of a home Justice. It's a must see!!!
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.
