Located in the desirable golfing community of Southern Dunes, this lovely 4-bedroom, 3-bath pool home is perfectly positioned on a premium golf course–front lot adjacent to the 1st tee box. Designed with flexibility and privacy in mind, the split-bedroom floor plan includes both a junior suite and a primary suite, making it ideal for families, guests, or rental opportunities. Upon arrival, you’re welcomed by a covered front porch enhanced with a large transom window that fills the entry with natural light. Inside, the great room features soaring ceilings, glass sliding doors, and transom windows that bring the outdoors in while showcasing tranquil pool views. The eat-in kitchen offers tile flooring, a breakfast bar, and a closet pantry for ample storage. A bright breakfast nook provides additional seating and enjoys distant views of the golf course. The spacious layout also includes a formal dining room and a formal living room, both accented with vaulted ceilings—perfect for entertaining or relaxing. The primary bedroom suite overlooks the pool and features a large walk-in closet. The en-suite bathroom is well-appointed with a vanity that includes a built-in cosmetic desk, a walk-in shower, a private water closet, and a luxurious garden tub. Step outside to your private backyard oasis, where outdoor entertaining is effortless on the screened patio and pool area. The two-car garage is currently utilized as a game room, complete with a pool table and foosball table, offering additional recreational space. Additional Features: Washer & dryer included, Architectural Shingle Roof (2024), Updated pool motor and filter, New pool timer (2025). Furniture available for purchase separately. Enjoy resort-style living with 24/7 security in the gated community of Southern Dunes. Community amenities include a 6,000-square-foot clubhouse with a restaurant and pub, tennis courts, and a fitness center. Golf enthusiasts will appreciate the 18-hole championship golf course, featuring a dramatic hillside layout spanning over 7,200 yards with more than 100 feet of elevation changes. Conveniently located within walking distance to shopping and restaurants, and just a short drive to major theme parks such as Legoland and Disney World, this home offers the perfect blend of lifestyle, location, and leisure.
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.
