*** Offer deadline established for Monday at 4pm*** Welcome home to this beautifully updated, over 3,000-square-foot residence nestled on a quiet cul-de-sac in the highly sought-after Oakton school pyramid. Situated on a private half-acre lot surrounded by mature trees, this home offers the perfect blend of space, comfort, and thoughtful upgrades — with approximately $150,000 in improvements since the current owners purchased. The main level is designed for both everyday living and effortless entertaining. You’ll find a spacious family room with a cozy gas fireplace, formal living and dining rooms, and the true heart of the home — the kitchen. Featuring white cabinetry, granite countertops, stainless steel appliances, under-cabinet lighting, and views of the serene backyard, this kitchen seamlessly connects indoor and outdoor living. Just off the dining room, French glass doors open to a sunny screened-in porch — an inviting space for al fresco dinners, morning coffee, or relaxing evenings with friends. Step outside to the Trex deck with built-in dusk-to-dawn lighting — an incredible feature in the warmer months. Low-maintenance and beautifully designed, it’s the perfect setting for summer barbecues, sunset dinners, and gatherings under the stars. The main level also includes an updated laundry room and stylish powder room featuring a custom cement sink. Upstairs, you’ll find four spacious bedrooms and two updated bathrooms. The primary suite offers a true retreat, complete with a walk-in closet and a spa-inspired en-suite bath showcasing a stunning wood-inspired tiled shower accent wall and heated floors. The fully finished walk-out lower level provides exceptional flexibility with a large recreation room, a generous fifth bedroom, and an updated full bath — ideal for guests, an au-pair suite, or bonus living space. Step outside to your private hot tub oasis, surrounded by nature and reminiscent of a peaceful mountain getaway. Imagine relaxing in the hot tub while listening to the birds — your own tranquil escape at home. Car enthusiasts, hobbyists, and those needing extra storage will appreciate the oversized 485-square-foot garage — large in both width and depth. In addition to the generous garage space, the lower level includes a dedicated storage room complete with a work bench, offering a second highly functional workspace the owners have truly valued. With nearly half an acre, there’s ample room to run, garden, and host in both the front and backyard — a rare find in such a convenient location. Even better, you'll love being close to Waples Mill Elementary School and Oakton Swim and Racquet Club, which is only a few blocks away and is an incredible lifestyle perk for summer fun, swim team, tennis, and community connection. Notable upgrades include new hardwood flooring, Trex deck with lighting, roof (2019), insulated siding, window wrap, gutters, blown-in attic insulation (2019), recessed lighting, front portico (2019), gas fireplace insert (2023), HVAC (2020, regularly serviced), new driveway (2022), and much more. This home feeds to highly regarded local schools: Waples Mill Elementary (7/10), Franklin Middle School (6/10), and Oakton High School (8/10), adding even more value to this exceptional location. Beyond the home itself, Oakton is a community people truly love. Known for its strong sense of community, beautiful parks and trails, and convenient access to shopping, dining, Tysons Corner, Vienna, and major commuter routes into Washington, D.C., Oakton offers the perfect balance of peaceful suburban living and everyday convenience. It’s a place where neighbors connect, outdoor spaces are plentiful, and lifestyle and location come together seamlessly. This is more than just a home — it’s an opportunity to settle into one of Northern Virginia’s most desirable communities.
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.
