In Rivertowne, beneath a canopy of palms and mature trees, this Lowcountry home welcomes you with peaceful marsh views that extend toward the Wando River and the distant towers of the iconic Ravenel Bridge. Private, serene, and surrounded by nature, this exceptional setting invites you to linger a little longer, whether you're enjoying morning coffee on the porch, watching the tides roll in, or unwinding as the sun sets over the marsh. Inside, beautiful hardwood floors flow throughout the main living spaces, leading you into a light-filled floor plan designed for everyday living and effortless entertaining. At the heart of the home is a stunning kitchen renovation where thoughtful design meets timeless style. Custom cabinetry extends to the ceiling, glass-front cabinets add an elegant touch, and striking quartzite countertops continue into a dramatic backsplash. A Jenn-Air gas cooktop, Café series built-in double ovens, and beautifully designed workspace make this kitchen a dream for both casual meals and memorable gatherings. Just beyond, a custom wet bar with a wine refrigerator creates the perfect setting for relaxed evenings with friends and family. The kitchen opens naturally to the breakfast nook and side porch, while the adjoining living room provides a warm and inviting space to gather. Anchored by a direct-vent gas fireplace, this room features a beautifully crafted stone mantel and surround, creating the ideal backdrop for quiet mornings and cozy evenings. Three sets of expansive French doors open the living spaces to the outdoors, revealing a breathtaking Lowcountry landscape where the marsh becomes part of the home's everyday backdrop. Beyond the porch, the view is ever-changing, shifting with the rhythm of the tides and the beauty of each season. Watch coastal birds glide across the marsh, enjoy glimpses of the Ravenel Bridge in the distance, and take in the peaceful scenery that transforms from sunrise to sunset. With approximately 840 square feet of porches, including a screened section designed for year-round enjoyment, this home offers countless opportunities to relax, entertain, and fully embrace the Lowcountry lifestyle. The primary suite is conveniently located on the main level and offers a true retreat, complete with a walk-in closet and a beautifully appointed bath featuring dual vanities, a soaking tub, and a spacious walk-in shower. Private porch access creates a seamless indoor-outdoor connection, while the main-level laundry room adds everyday convenience. The first floor offers a thoughtful layout with a gracious dining room just off the foyer and a private guest suite tucked away in its own corner of the home. Complete with a full bath and flexible space, this area is ideal for visitors, a home office, or a quiet retreat. Upstairs, two generously sized bedrooms share a well-designed Jack-and-Jill bathroom with separate sink and toilet areas connected by a central shower room, providing privacy and convenience for family or guests. Adding even more versatility, the ground level includes a dedicated 170-square-foot climate-controlled studio and exercise space not included in the home's square footage. This flexible area is perfect for a workshop, home office, gym, art studio, or creative space, offering options that evolve with your lifestyle. Additional improvements include climate-controlled bonus and storage space on the second floor, a new roof, updated HVAC systems, a new water heater, upgraded ductwork, and new porch stairs and railings, all contributing to the comfort and peace of mind of a thoughtfully maintained home. The property also includes a spacious two-car garage with approximately 1700 square feet of humidity-controlled storage space, offering room for a workshop, golf cart, additional storage, or hobby space beyond traditional garage use. Beyond the porch, the backyard feels like a private retreat, framed by towering trees and a peaceful marsh view stretching toward the Wando River. It's a setting made for slow mornings, afternoon reading, outdoor dining, and evenings spent taking in the natural beauty of the Lowcountry. Life in Rivertowne extends well beyond your front door. Spend afternoons at the neighborhood pool, enjoy a match on the tennis courts, gather at the community docks, or take in stunning sunsets along the river. With the Arnold Palmer Signature Course nearby, award-winning schools, local dining and shopping, and the beaches of the Carolina coast just a short drive away, this home offers the very best of Lowcountry living!
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.
