Why wait for new construction when this move-in ready value in Wildlight is available now? This 3,222 SF semi-custom Mattamy 5BR/4BA home sits on a premium preserve homesite and features a flexible layout with a main-level guest suite and full bath, private office with French doors, and upstairs primary suite. The kitchen offers quartz counters, 42'' cabinets, stainless appliances including a Bosch dishwasher and smart range, plus a large island overlooking open living and dining areas. Upgrades include LVP flooring, crown molding, recessed LED lighting, Ecobee thermostats, tankless water heater, extended lanai, and epoxy garage floor. Seller offering up to $2,500 toward a 1-year First Coast YMCA membership and 1-year 2-10 Supreme Home Warranty, or closing cost assistance. Enjoy Wildlight's parks, trails, YMCA, top-rated schools, and easy access to I-95, Jacksonville, and Kings Bay. Built in 2021, this semi-custom Mattamy home offers the benefits of newer construction combined with extensive upgrades already completed, all situated on a private preserve lot providing added tranquility and outdoor privacy. The thoughtfully designed floorplan includes a versatile main-level guest suite, ideal for visiting guests, a home office, or multigenerational living. The upgraded kitchen is designed for both everyday functionality and entertaining, featuring soft-close cabinetry, quartz surfaces, motion-activated farmhouse sink faucet, Wi-Fi-enabled oven, natural gas connection with upgraded venting, a walk-in pantry with upgraded door, and enhanced LED lighting. Additional interior upgrades include faux-wood blinds throughout, enhanced electrical and wiring for ceiling fans and wall-mounted TVs, upgraded fixtures, energy-efficient systems, and abundant storage options. Upstairs, the primary suite offers dual walk-in closets and a spa-inspired shower, while secondary bedrooms include walk-in closets, upgraded carpeting, and well-appointed bathrooms with quartz countertops and under-mount sinks. Smart-home features include a negotiable Vivint security system with cameras, door/window sensors, glass-break and flood detection, and integrated smoke/CO monitoring. Outdoor and utility enhancements include a full irrigation system with separate meter, natural gas grill stub-out, garage service door, insulated 8' garage door with keypad, water softener loop, and epoxy-coated garage flooring. The spacious backyard offers room for future customization, including outdoor living or pool installation. Located within the Wildlight master-planned community, residents enjoy parks, trails, community events, easy YMCA access, and proximity to shopping, dining, healthcare, and I-95 for convenient access to Jacksonville and Kings Bay. Planned future retail, dining, and educational developments further support the area's continued growth and long-term appeal.
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.
Data provided is deemed reliable but is not guaranteed. The data relating to real estate for sale on this website comes in part from the Northeast Florida Multiple Listing Service, Inc. The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. Copyright © 2026 Northeast Florida Multiple Listing Service, Inc. All Rights Reserved.
