Welcome home to this beautifully updated 4-bedroom, 2.5-bath two-story home in Manhattan, where thoughtful upgrades, exceptional outdoor living, and breathtaking pond views come together to create the perfect place to call home. Step inside to an inviting open floor plan designed for both everyday living and entertaining. The spacious kitchen featuring brand-new stainless steel Frigidaire Gallery appliances (December 2025), including a French-door refrigerator, 5-burner gas range with True Convection and Air Fry, dishwasher, and over-the-range microwave. You'll love the impressive 24 feet of wraparound countertops and cabinetry, corner sink with garbage disposal and picturesque backyard and pond views, a large 4' x 5' island with seating, storage, and power, plus a built-in pantry offering additional storage. The kitchen also includes a generous eat-in dining area and flows seamlessly into the family room, complete with gray wood plank laminate flooring, a custom brick gas fireplace, custom mantel, and concealed cable/internet hookups for a clean, modern look. A formal dining room provides additional space for entertaining, while the main level also includes an updated laundry area with a 2023 dryer and new washer (June 2026). Upstairs, you'll find four bedrooms, all with ceiling fans and carpeting installed in 2018 throughout the bedrooms, hallway, and staircase. The primary suite features a tray ceiling, spacious walk-in closet, and private bath. Two additional bedrooms also offer walk-in closets, while the fourth bedroom includes a standard closet. The second full bathroom includes a new exhaust fan installed in June 2026. The full basement offers endless possibilities for future living space and is already equipped with gray flooring, painted white walls, additional lighting, and extra electrical outlets throughout most of the space. Major mechanical updates include dual 40-gallon water heaters (2024), whole-house water softener (2026), Aprilaire whole-house humidifier (2025), sump pump (2025), and 200-amp electrical service with additional capacity for future expansion. The basement also features windows for ventilation, an egress window, heavy-duty custom window well covers with safety latches, and 41 sheets of drywall that will remain for future finishing projects. Outside, this home truly shines. Enjoy over 800 square feet of custom two-level stamped concrete patio space, connected by a wide sidewalk extending from the driveway to the backyard, making entertaining effortless. The backyard is equipped with hot and cold water hookups, an outdoor sprinkler system, dedicated power for a future hot tub or spa, and includes both a trampoline (2025) and swing set (2020). A professionally landscaped yard features a beautiful birch tree and is enclosed by a classic bronze 5-foot aluminum fence with two access gates. The stunning oversized stocked pond provides peaceful views from nearly every rear-facing window, creating a tranquil backdrop year-round. Additional highlights include a new roof with architecturally integrated solar panels (2024) with hidden conduit, attic fans for both the home and garage, plywood flooring in the garage attic for additional storage, updated interior and exterior lighting throughout, custom front porch railings, custom stone mailbox, and blinds throughout the home. This meticulously maintained home combines modern updates, quality craftsmanship, incredible storage, energy-efficient improvements, and an unforgettable backyard setting-all in one exceptional Manhattan location. Schedule your private 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.
