IMMACULATE, CUSTOM, CRAFTSMAN-STYLE STUNNER in the heart of Huntingtown, MD! Like NEW, custom designed and built, this show-stopping residence was lovingly constructed with both beauty and function in mind. This exceptional Calvert County home is filled with warmth, light, and thoughtful custom details at every turn. As you arrive, you’re welcomed by the upgraded exterior which includes multiple bump outs and a 23'x8’ full front porch. The inviting space immediately sets the tone for this special home. The front door, flanked by graceful sidelights, fills the soaring two-story foyer with natural light & adds to a bright, welcoming first impression. To the left of the foyer is a beautiful library/home office - perfect for quiet work or reading. To the right, a gracious formal dining room ideal for gatherings and celebrations. Rich hardwood floors extend through the foyer, kitchen, powder room, hallways, and sun-filled morning room, adding warmth and continuity throughout the main level. The home is custom outfitted with stunning prairie-grid windows, framing peaceful views from every angle, while the family room showcases a striking gridless recessed alcove window above the 8’ raised stone hearth fireplace - a gorgeous focal point that fills the space with light. The heart of the home is the extraordinary, custom-designed kitchen and morning room - an entertainer’s dream and a daily joy! The morning room extension allows for the beautifully customized kitchen layout, including wraparound perimeter cabinetry and a show stopping oversized island with seating for six. The kitchen is further enhanced by an exceptionally large walk-in pantry, an oversized and custom fitted industrial style refrigerator/freezer, stainless double wall ovens, and a 5-burner gas cooktop and designer hood vent above. A perfectly placed butler’s pantry connects the kitchen and pantry to the dining room, making hosting effortless and elegant. The family room was also extended - a highly coveted builder upgrade, creating a nearly 20’ x 20’ living space centered around the stunning stone fireplace. The exterior walls were upgraded with R-15 insulation for added energy efficiency. Upstairs you’ll find four spacious bedrooms, a bright and versatile bonus loft area, and a conveniently located upper level laundry room. The upper level laundry room was thoughtfully upgraded with quiet zone insulation in the walls. The owner's suite is a true retreat, featuring a generous walk in closet & a private spa-like bath with stand up shower, deep soaking tub and a dual sink vanity. The upstairs hall bath features dual vanities and serves bedroom two while bedrooms three and four share a Jack-and-Jill bath, a thoughtful layout offering both privacy and functionality. The walk-out lower level features 9’ poured concrete walls, insulation on exterior walls and is unfinished, offering a beautiful blank canvas for future living space. There is plenty of space for a recreation room, bedroom, den or media room as well as a future 3-piece bathroom. A bathroom plumbing rough-in is already in place, making it easy to design and finish the space to suit your lifestyle. The walk-out basement exit is ideal with a 6x6'8 slider door and 10x12 concrete patio. Mechanical upgrades include an energy efficient tankless hot water heater as well as an energy-efficient gas-backup heating system for the main level and upper level. Step outside to enjoy the maintenance-free composite deck. This feature is perfect for outdoor dining, morning coffee or peaceful evenings overlooking the yard and lovely wooded view. LOCATION, LOCATION, LOCATION! Located with close proximity to major commuter routes 4 & 2 as well as within the award-winning Huntingtown School District, nearby to shopping, dining and entertainment, this exceptional home offers not just beautiful spaces, but a beautiful way to live. Prepare to fall in love - schedule your showing today! 🤍
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.
