Discover refined modern living in this like-new Farmhouse-style townhome nestled in the highly desirable Cannon Trace community of Winder, GA. Built just four years ago, this beautifully designed residence showcases a bright, open-concept layout with thoughtfully curated finishes throughout. The main level is anchored by rich engineered hardwood floors, designer details, and seamless flow—perfect for both everyday living and effortless entertaining. The gourmet kitchen is a true showpiece, featuring quartz countertops, stainless steel appliances, and a striking herringbone tile backsplash, creating a space as functional as it is elegant. The spacious living area offers warmth and comfort with a stylish electric fireplace, while the dining space overlooks the private backyard—an ideal setting for intimate dinners or lively gatherings. Upstairs, retreat to the expansive owner’s suite, highlighted by tray ceilings and a spa-inspired en suite bath complete with a tiled walk-in shower, soaking tub, and double vanity topped with quartz. Two additional bedrooms and a full bath provide flexibility for guests or family, while the versatile loft offers the perfect space for a home office, media lounge, or reading nook. Residents of Cannon Trace enjoy access to community amenities including a pool, playground, and green spaces, all while being conveniently located minutes from downtown Winder, Highway 85, and just five minutes from 316—offering easy access to shopping, dining, and commuting routes. This exceptional townhome blends style, comfort, and location—schedule your private showing today and experience the best of Cannon Trace living.
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.
