Welcome to 28264 Calico Dr, Barstow, CA — a beautifully remodeled and upgraded home offering the perfect blend of comfort, style, space, and long-term potential. From the moment you arrive, the landscaped front yard creates a true outdoor oasis featuring lush grass, a custom-built car shade, and a centrally positioned pergola that creates the perfect setting for outdoor furniture, entertaining, or relaxing around a firepit under the desert sky. Inside, the home features beautiful flooring throughout, abundant natural lighting, and a modern yet welcoming design that truly feels like home. The updated kitchen showcases newer cabinetry paired with stunning countertops that bring together both style and functionality, while the spacious layout offers plenty of room for entertaining both inside and out. The primary suite is generously sized and designed to be a relaxing retreat after a long day, complete with a large updated primary bathroom and an added soaking tub perfect for unwinding. The patio area provides a great space to overlook the backyard and enjoy the property’s peaceful setting. This property also offers the flexibility and space for a possible ADU, RV parking, off-road vehicles, trailers, recreational equipment, or whatever best fits your household’s lifestyle and hobbies. Additional upgrades include paid-off solar, thoughtful improvements throughout, landscaped front and back yards, and convenient access to the I-15 freeway. Located near the crossroads of I-15, I-40, and Route 58, this property offers quick access to shopping, restaurants, grocery stores, fuel stations, local schools, and the Outlets at Barstow. Barstow continues to see major growth fueled by infrastructure and industrial expansion, including the planned $1.5 billion Barstow International Gateway project by BNSF Railway. The region is also supported by major employers including Fort Irwin National Training Center, Marine Corps Logistics Base Barstow, and expanding transportation and distribution industries throughout the High Desert. Buyer and buyer’s agent to verify all information including zoning, schools, utilities, and permitted uses.
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.
