VA loan
1 of 73
VA loan
$879,900
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25 Waverly Way, Stafford, VA 22556

4 beds · 5 baths · 3,139 sqft

Stunning 6-Acre Corner Lot in Sought-After Poplar Estates - AMAZING LOCATION This dream retreat is in the heart of desirable Poplar Estates. A breathtaking 6-acre corner lot that boasts lush green landscaping, a fully fenced yard, and a striking custom-built home by Brookstone. From the moment you arrive, you'll be captivated by the curb appeal, with stone accents and designer touches setting the tone for what’s inside. Step into a grand foyer with gleaming hardwood floors and an abundance of natural light. A spacious front room offers the perfect space for a home office or sitting area. The open-concept chef’s kitchen is a showstopper—featuring granite countertops, double ovens, a large island, and seamless flow into the expansive family room, ideal for movie nights or gatherings. The main level continues to impress with access to a large deck, an entertainer’s dream. Enjoy peaceful evenings in your private, tree-lined backyard oasis, complete with a custom brick patio, shed and ample space for recreation or relaxation. Upstairs, the luxurious primary suite easily accommodates large furniture and includes a generous walk-in closet and spa-inspired en-suite bath. Three additional spacious bedrooms are move-in ready and full of natural light. The finished lower level provides versatile living options with space for a recreation room, gym, extra storage, and a fifth bedroom or den—perfect for home office, guests or extra living area. Poplar Estates is a highly requested community known for its scenic setting, elegant homes, and convenient location. Don’t miss the opportunity to make this stunning property your forever home.

Estimated
Seller's interest rate
4%
7%
Estimated
Monthly payment

$2,947
$3,542
You may also save up to $154,632 in total interest paid.

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.

Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $3,542 monthly payment

Financed
SIGNIN
Location
Loan details
Loan type
VA
Rate
4%
Remaining term
21 yrs and 8 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$2,947
Principal & interest
$1,983
Mortgage insurance
-
Property taxes
$608
Home insurance
$300
HOA fees
$55
Utilities
Not included

Source: Public records

Home details
Size
4,239 sqft
Lot size
6.07 acres
Year built
2017
Type
Single Family Residence
HOA dues
$55.00

Source: BRIGHT #VAST2038164

Frequently asked questions

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 620, 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.

View all FAQs
Last updated: Jun 12, 2025 05:31 pm
Listing agent: Joyce Wadle (703) 403-3058
Listing provided courtesy of: Long & Foster Real Estate, Inc. (703) 425-8000
Details provided by BRIGHT and may not match the public record.
MLS ID: #VAST2038164
The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms in which Roam Brokerage, LLC participates, and is provided by BRIGHT through a licensing agreement. The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some properties which appear for sale on this website may no longer be available because they are under contract, have closed or are no longer being offered for sale. Information Deemed Reliable But Not Guaranteed. Copyright © 2025 Bright MLS. All rights reserved.
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Est. seller's rate
4%
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