Beautifully updated 3-bedroom, 3.5-bathroom Devon model townhome in the highly sought-after Windgate I community! This gorgeous home features $100k of thoughtful upgrades & renovations, showcasing high-end finishes, & custom craftsmanship throughout! An inviting covered front porch & dramatic entryway with soaring ceilings & custom Motawi tile flooring sets the tone, while top-of-the-line Pella double-hung windows with interior Ipswich oak-stained frames & integral shades bring warmth & natural light across this spacious end-unit. The main level features gleaming hardwood floors across the light-filled living room & dining area w/luxury Meyda ceiling light, plus an electric fireplace with soapstone hearth. The powder room is elevated with designer wallpaper, Restoration Hardware pulls & towel rack. The kitchen offers upgraded wood cabinetry with porcelain knobs, under-cabinet lighting, Corian countertops, stainless steel appliances including newer Bosch SuperSilencePlus dishwasher (2024) & LG microwave (2025), tile flooring, mosaic tile backsplash, Kischler pendant lighting above the breakfast bar, & convenient passthrough to the den. Just beyond, the inviting den features plush carpeting, wooden ceiling beams, recessed lighting, refinished brick accent wall w/inset TV, & nearly two full walls of custom floor-to-ceiling bookshelves & ample storage w/Wolf built-in cabinetry & Stickley-style copper pulls, granite-topped bar, display cabinetry w/custom-order restoration Bendheim amber glass inserts, & a 68-bottle wine rack. Pella French doors open to the XL fully fenced paver patio with 24”x24” pavers & a lush grass perimeter. The carpeted upper level offers a spacious primary suite w/overhead lighting & a pocket door leading to a wood-paneled walk-in closet w/custom shelving. The en-suite bathroom has been beautifully redone w/mesquite wood end-grain tile flooring, Pottery Barn vanity w/drawers, a medicine cabinet mirror, glass-front over-toilet storage cabinet, & a large walk-in subway tiled shower w/Motawi accent tile & niche shelving, patterned tile flooring, & Restoration Hardware fixtures. Two additional bedrooms include overhead lighting & thoughtful storage, while the hallway bathroom features tile flooring, white vanity w/copper drawer pulls, wood-framed mirror, brushed nickel faucet, & sparkling tiled shower w/tub. A hallway linen closet adds extra convenience. The lower level is accented with plush carpeting, recessed lighting, & matching built-in cabinet area mirroring the den w/a granite countertop & small refrigerator. The spacious recreation area offers excellent flexibility - perfectly suited for a home theater setup centered around the brick accent wall w/inset TV & plenty of room for oversized chairs, while also accommodating a 144-sqft gym space with professional-quality gym tiles w/framed oak perimeter. The bonus room includes recessed lighting, large walk-in closet, & generous storage potential. A full bathroom with finely crafted wallpaper, corner shower, pedestal sink, & premium towel racks completes the level. The tiled utility room includes a NEW high-end GE Profile Series washer & dryer (2025), extra-deep stainless steel utility sink, high capacity hot water heater, & storage space. Enjoy a newer HVAC w/AprilAire humidifier, attic for storage, solid-core oak interior doors, white porcelain door knobs & matching hinges, porcelain outlet faceplates, & all-new light fixtures. Enjoy up to 2 reserved parking spaces & a peaceful location at the back of the community just steps to county parkland for added privacy & green space views. Windgate I features a pool, tennis courts, beautiful common grounds, 6-day-a-week trash pickup from your doorstep, & convenient quarterly bulk trash pickup. Location near the shops & restaurants in The Village at Shirlington, nearby parks, & the W&OD Trail, with easy access to I-395, Old Town, North Arlington, & DC - making both everyday living and commuting a breeze.
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.
