Perfectly positioned just minutes from Decatur Square and Avondale Estates, this Stylishly Updated Brick Home offers the ideal blend of Modern Finishes, Functional Living, and an Unbeatable Location in one of Atlanta's most connected areas. From the curb, a Charming White Brick Exterior with Blue Shutters, Manicured Landscaping, and a Spacious Front Lawn creates an inviting first impression. Step inside to a Light-Filled Interior where Crisp White Walls and Timeless Hardwood Floors flow throughout the Open-Concept Main Level. The Kitchen is a true Showpiece, featuring White Cabinetry, Granite Countertops, Stainless Steel Appliances, a Breakfast Bar, and a Striking Navy Subway Tile Backsplash - all opening seamlessly to the Living and Dining Areas for effortless entertaining. The Dining Space is highlighted by a Modern Light Fixture and Scenic Backyard Views, while the Living Room offers a Bright, Comfortable setting for everyday living or hosting guests. The Main-Level Primary Suite provides a Private Retreat with a Walk-In Closet and a Beautifully Updated Ensuite featuring a Double Stone Vanity, Designer Tile Flooring, and a Tiled Shower. Two Additional Bedrooms and a Full Bathroom complete the main level, offering flexibility for Guests, Office Space, or Family Living. The Finished Daylight Terrace Level expands the home with Two Additional Bedrooms, a Full Bathroom, and versatile living space - perfect for a Media Room, Home Gym, or Guest Suite. One Bedroom offers Direct Access to a Private Deck overlooking the Peaceful Backyard. Step outside to a Large, Grassy Backyard - ideal for Entertaining, Play, or Relaxing Outdoors, with plenty of room to create your dream outdoor setup. Recent Updates include New Roof (2022), AC (2023), Furnace (2023), Interior Paint (2025), Terrace Level Flooring (2025), and Updated Lighting. Major Appliances were replaced in 2018, offering true Move-In Ready confidence. Conveniently located near Decatur Square, Avondale Estates, and the Atlanta BeltLine, with easy access to I-20, I-285, MARTA, and popular neighborhoods like Kirkwood and East Atlanta Village. A rare opportunity to own a beautifully updated home with space, style, and unbeatable access to everything Intown Atlanta has to offer.
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.
