Welcome to effortless living in the Village of Westover, where charm, comfort, and thoughtful design come together in a beautifully maintained colonial townhome. Step into the foyer and you’re greeted by a large walk‑in closet offering exceptional everyday convenience. From there, the home opens into a welcoming family room that connects seamlessly to the gourmet kitchen—an ideal layout for both daily living and entertaining. New stainless‑steel appliances, abundant cabinetry, generous counter space, and a breakfast bar that seats six make this kitchen the true heart of the home. A walk‑in pantry and laundry tucked neatly behind a pocket door keep everything organized and out of sight. Just beyond, the formal dining room provides a warm, inviting space for gatherings and celebrations. Upstairs, the oversized primary suite feels like a private retreat with LVP flooring and a dedicated exercise area. The two additional bedrooms and the upstairs foyer feature new carpeting, and the bedroom currently used as an office enjoys a peaceful view of the potager garden—a view shared by both rooms and ideal for quiet work or relaxation. The lower level expands your lifestyle even further with a finished music room, a utility/storage room perfect for pantry overflow, and a large unfinished area ready for substantial storage or future customization. Step outside to a private paver patio and a secluded potager garden framed by unique, thoughtfully crafted hardscaping. It’s an ideal spot for morning coffee, evening unwinding, or tending herbs and vegetables in your own peaceful outdoor sanctuary. A spacious three‑car garage with dedicated workshop space—an unusual find in this area—is connected to the home by a covered veranda for easy, weather‑protected access. Recent 30‑year roofs (2025), completed pre‑appraisal and pre‑inspection. Set within one of Hampden Township’s most desirable communities, this home offers exceptional regional access to New York, Baltimore, Washington, D.C., and Pittsburgh—making travel, work, and weekend getaways remarkably simple. Home priced in range of appraised value
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.
