Welcome home to this stunning 4-bedroom, 2.5-bath colonial offering over 3,000 square feet of finished living space in Southern York County School District! Built in 2020 and ideally located just minutes from the Pennsylvania/Maryland line, this home provides the perfect balance of peaceful rural living and commuter convenience, with easy access to shopping, dining, entertainment, and everyday amenities. Outdoor enthusiasts will love being just a short drive from the renowned NCR Rail Trail, offering miles of scenic hiking and biking paths, as well as numerous local breweries, restaurants, and attractions throughout Southern York County and Northern Maryland. Step inside to discover a spacious open-concept main level designed for both everyday living and entertaining. The kitchen, dining area, and living room flow seamlessly together, creating a bright and inviting atmosphere. The living room is highlighted by a recently completed custom accent wall surrounding the gas fireplace and mantle, creating a beautiful focal point for the space. The kitchen features a large island with bar, pantry, tile backsplash and stainless steel appliances. Just off the attached two-car garage, you'll find a convenient drop zone for coats and shoes, along with a main-level half bath. Upstairs features four generously sized bedrooms, including a spacious primary suite complete with TWO walk in closets and a private en-suite bath featuring a dual-sink vanity. Three additional bedrooms offer ample closet space, and the second-floor laundry room adds everyday convenience. There is another full bath also with a dual sink vanity off the main hall to complete this level. Need even more space? Half of the basement was just finished this month and features new LVP flooring, fresh paint, and finished walls, making it the perfect flex space for a bonus room, home office, playroom, gym, or media area. Outside, enjoy a fully fenced backyard overlooking panoramic views of rural Southern York County farmland AND the sunsets are TO DIE FOR! A storage shed provides plenty of room for lawn equipment and seasonal items, while the oversized driveway and attached two-car garage offer abundant parking. Best of all—NO HOA! Homes offering this much space, modern construction, and a prime Southern York County location rarely become available. Don't miss your opportunity to make this beautiful home yours!
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.
