!!ASSUMABLE MORTGAGE WITH A 2.375% INTEREST RATE!! Welcome home to this move-in ready gem nestled inside the highly sought-after Tamaya community in Jacksonville, Florida. This beautifully maintained home offers the open-concept floor plan today’s buyers are searching for, creating seamless flow between the kitchen, dining, and living areas. Whether you’re hosting friends for game night or enjoying a quiet evening at home, the layout is designed for both effortless entertaining and everyday comfort. Natural light fills the living spaces, enhancing the airy, inviting feel throughout. The kitchen opens directly to the main living areas, making it the true heart of the home — perfect for gathering, connecting, and creating memories. With its move-in ready condition, you can settle in immediately and start enjoying everything this home has to offer without the stress of updates or renovations. Enjoy enhanced comfort year-round with a 2-zone AC system, allowing you to set a separate temperature in the primary bedroom from the rest of the home — ideal for personalized climate control and energy efficiency. The spacious primary suite serves as a relaxing retreat, complete with an en-suite bathroom featuring a walk-in shower designed for both style and convenience. Step outside through large sliding glass doors and discover a backyard designed for relaxation and lifestyle living. The fully fenced yard offers privacy and security, while upgraded paver features create a polished, low-maintenance outdoor space. Unwind after a long day in your private barrel sauna, or entertain guests under the covered lanai — ideal for morning coffee, weekend barbecues, or peaceful evenings outdoors. This property also features a whole-home water softener system adding an elevated level of comfort to your daily routine. Living in Tamaya means more than just owning a home — it’s about enjoying a premier gated community with a 24-hour manned guarded gate, providing security, exclusivity, and peace of mind. Known as one of the most desirable gated communities in Jacksonville, Tamaya offers a lifestyle buyers actively search for when looking for Jacksonville FL homes for sale. If you’ve been searching for a move-in ready home in Jacksonville with an open floor plan, fenced backyard, upgraded outdoor living space, and the security of a gated community, this is the one. Schedule your private showing today and experience firsthand why homes in Tamaya don’t stay on the market for long.
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.
