2.75% assumable FHA mortgage from First Home Mortgage with an approximate balance of $340,000! Set within The Preserve at Piscataway, 3301 Tianna Way offers a well-balanced three-level layout with thoughtful finishes and a comfortable, easy flow throughout. Crown molding adds a polished touch across the home, while natural light fills each level, enhanced by wood blinds on every window for both style and function. The main level centers around a well-appointed gourmet kitchen featuring granite counters, stainless steel appliances, a custom backsplash, and a generous island with breakfast bar seating—perfect for casual meals or gathering with guests. Hardwood flooring runs through the space, complemented by a dining area with chair rail detail that opens directly to the deck, and a bright living room framed by large windows. A convenient half bath completes this level. The main-level wood flooring will be refinished upon the seller’s move-out, offering a refreshed look for the next owner. Upstairs, the carpeted upper level provides a quieter retreat, highlighted by a spacious primary suite with a tray ceiling, sitting area, and a luxe en-suite bath with a soaking tub. A dedicated mini-split system allows for personalized heating and cooling in the primary bedroom without running the entire home system. Two additional bedrooms, a full hall bath, and a dedicated laundry area round out the upper level for everyday ease. The entry level offers flexibility with a private office, half bath, and direct access to both the front entry and the attached two-car garage—ideal for work-from-home needs or a tucked-away guest space. The garage is thoughtfully outfitted with a utility sink and spigot with both hot and cold water, making year-round tasks like car washing especially convenient. Outdoor living is easy with a rear deck perfect for morning coffee or evening downtime, along with a lawn irrigation system to help maintain the landscaping with ease. The home also features a whole-house water filtration system and a recently updated A/C condenser (2022) for added efficiency and peace of mind, plus a ChargePoint Level 2 EV charger for modern convenience. Located in Accokeek, The Preserve at Piscataway provides access to a quieter setting without sacrificing convenience. Commuters benefit from proximity to Route 210 for direct access into Washington, D.C., Joint Base Andrews, and National Harbor, while major employers throughout Prince George’s County and Northern Virginia remain within reach. Nearby shopping and dining options include National Harbor, Tanger Outlets, and local favorites throughout Accokeek and Fort Washington. Outdoor enthusiasts will appreciate Piscataway Park’s scenic trails and waterfront views along the Potomac, as well as easy access to regional parks and cultural sites like Mount Vernon just across the river. Mortgage savings may be available for buyers of this listing.
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.
