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249 Whitworth Dr, Culpeper, VA 22701
4 beds · 3 baths · 2,408 sqft
Welcome Home to this well maintained, elegant brick front colonial that embraces you with timeless charm and lasting quality nestled on a picturesque premium lot. Backing to mature trees, this home offers enhanced privacy and a serene wooded backdrop.. With its open layout, this 4-bedroom, 2.5-bath home offers generous living space and 9-foot ceilings throughout the main level. Enjoy a private main-level study—perfect for working from home—along with formal living and dining rooms ideal for entertaining. The generously sized kitchen boasts abundant cabinet and counter space, a center island, and a sunny breakfast nook, all open to an oversized family room with a cozy gas fireplace. Additional main-level highlights include a laundry room and access to the large two-car garage with extra storage. Upstairs, the expansive primary suite features a walk-in closet and a luxurious en suite bath with a large soaking tub, double-sink vanity, and separate shower. Three additional bedrooms share a full hall bath. The huge, unfinished walk-out basement offers endless potential for future expansion—whether a home gym, media room, or additional living space. One finished room is already in place, ready to be used as an office, hobby room, or whatever you envision. Step outside onto the sprawling rear deck, perfect for relaxing or entertaining, and enjoy the private backyard surrounded by trees. Community amenities include a clubhouse, swimming pool, and playground—all within walking distance for added enjoyment
Source: BRIGHT #VACU2010820
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 #VACU2010820
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.
No credit check. Takes 2 minutes.