Welcome to your absolutely adorable, turnkey dream home nestled in the amenity-rich and highly desirable community of Cross Creek in Green Cove Springs, Florida. From the moment you step through the front door, the pride of ownership shines through a brand-new coat of fresh paint in every single room and beautiful custom accent walls that flow seamlessly from the entry hall throughout the entire home. The spacious living area feels incredibly warm and inviting, boasting upgraded bamboo blinds, elegant window sills with custom casings, and a show-stopping entertainment center complete with a fully tiled TV wall, tailored cabinets, floating shelves, and a beautiful custom mantel. The heart of the home is a kitchen designed to delight, featuring a premium tile backsplash, a deep basin black kitchen sink, full cabinet hardware, and high-end, upgraded Whirlpool appliances including a new refrigerator and flat-top stove. Everyday convenience has been elevated with thoughtful storage solutions, starting with a trendy barn door that leads to a fully equipped laundry room. Inside, you will find a brilliant second pantry addition, built-in shelving, and custom cabinets perfectly positioned above the washer and dryer. Even the linen closet received an upgrade with stylish floating shelves. Retreat to the luxurious owner's suite, a peaceful sanctuary outfitted with a comforting ceiling fan and a tailored closet system. The attached master bathroom feels like a private spa, showcasing an upgraded vanity with a gorgeous marble top, modern vanity lights, and a stunning custom-tiled shower complete with a built-in niche and a frameless glass enclosure. The guest bedroom is equally impressive, sharing access to a beautifully upgraded second bathroom vanity and featuring its own custom closet system. Delightful designer touches continue throughout the home with elegant chandeliers gracing both the kitchen island and the guest hallway. The upgrades extend well beyond the interior walls into a beautifully manicured exterior and a two-car garage. Step outside to your private oasis featuring a fully fenced backyard, fresh mulch, and an expansive 16x14 extended back patio that is perfect for weekend barbecues or morning coffee. The garage comes fully equipped with an automatic door opener and a pre-installed water softener loop. With a newly serviced HVAC system ensuring year-round comfort, this home has been lovingly cared for, meticulously detailed, and is in absolute move-in condition, ready to welcome its new owners.
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.
Data provided is deemed reliable but is not guaranteed. The data relating to real estate for sale on this website comes in part from the Northeast Florida Multiple Listing Service, Inc. The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. Copyright © 2026 Northeast Florida Multiple Listing Service, Inc. All Rights Reserved.
