Welcome to 2421 Hearth Drive in the highly sought-after Asturia community, where style, comfort, and smart buying come together beautifully. This largest-model townhome offers exceptional value with a lower monthly HOA and a truly move-in ready experience that feels like new construction, without the wait. Inside, you’ll find three spacious bedrooms, two and a half bathrooms, and an upstairs laundry room designed for everyday ease. The two-car garage with a full driveway and ceiling-mounted storage racks adds functionality buyers truly appreciate. Thoughtful upgrades like crown molding, designer lighting, and custom closet systems elevate the home beyond builder-grade. The gourmet kitchen is a standout feature, complete with stainless steel appliances, upgraded cabinetry, a custom backsplash, and a large island perfect for gathering. Just outside, a private courtyard creates a peaceful space for relaxing or entertaining. This home also delivers on efficiency and long-term savings with a tankless water heater, water softener, and advanced HVAC air purification system. Location is where this home truly shines. Just minutes from the Suncoast Parkway, commuting to Tampa International Airport, downtown Tampa, and major business hubs is seamless, making travel, work, and weekend plans incredibly convenient. You’re also close to everything you need for daily living, including the Tampa Premium Outlets, top-rated shopping, dining, grocery stores, fitness studios, and entertainment options. Whether it’s a quick Target run, dinner out, or a full day of shopping, everything is within easy reach. With exterior maintenance, roof care, and lawn service included, you can enjoy a low-maintenance lifestyle while taking full advantage of Asturia’s resort-style amenities and unbeatable location. This is the kind of opportunity that checks every box...value, convenience, and lifestyle.
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.
