Welcome home to this beautifully maintained Kolter Hickory model located in the highly desirable Victoria Hills Golf Community in DeLand, Florida. This move-in ready golf course home on the 11th hole offers a bright, open floor plan that brings together the dining area, gourmet kitchen, and spacious living room—ideal for both everyday living and entertaining. Step through the expansive three-panel sliding glass doors onto the lanai, where you can relax with your morning coffee while enjoying peaceful golf course. It’s the perfect outdoor living space to unwind or host guests. This 3-bedroom, 3-bathroom home features a desirable three-way split floor plan, offering privacy for family and guests alike. A guest bedroom and full bath are conveniently located near the front of the home. The spacious primary suite overlooks the backyard and includes tray ceilings, private lanai access, and a walk-in shower with dual vanities and a large walk-in closet. A private third bedroom suite with its own walk-in closet is ideal for guests. A flexible bonus room with a barn door provides endless possibilities as a home office, media room, or playroom. The chef’s kitchen is the heart of the home, featuring granite countertops, stainless steel appliances, a large center island with pendant lighting, and a natural gas range—perfect for home chefs. Additional highlights include a three-car garage, tall interior doors, lighting and new gutters throughout the house. Victoria Park offers resort-style amenities including fitness centers, walking and biking trails, community pools, tennis courts, playgrounds, restaurant and the Victoria Hills Golf Course and Clubhouse. The HOA conveniently includes cable TV, high-speed internet, reclaimed irrigation water, and access to community amenities. Ideally located just minutes from I-4, Downtown DeLand, Stetson University, state parks, shopping, dining, and medical facilities, this home is also only 30 minutes from Florida’s east coast beaches. If you’re searching for a golf course home in DeLand and a modern home with a split floor plan, this property checks every box. Schedule your private showing today and experience Florida living at its best.
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.
