Welcome to Countryside Woods, located in the highly sought-after Countryside area! This beautifully maintained and thoughtfully redesigned 2-bedroom, 2.5-bath townhome with a 1-car garage is sure to impress. Step through the newly installed front door with decorative glass and immediately feel at home. The completely remodeled kitchen is a true standout, featuring soft-close shaker-style cabinetry with matte black hardware, quartz countertops, a cast iron sink, and a full suite of stainless steel Frigidaire Gallery appliances. Additional upgrades include recessed lighting, modern fixtures, a pull-out lazy Susan, spice rack, utensil organizer, and a reconstructed vent system that exhausts to the exterior. The kitchen island offers a complementary quartz surface, breakfast bar seating, added storage, and built-in electrical outlets. The first floor showcases all-new waterproof laminate flooring and baseboards throughout, along with a spacious living area, convenient half bath, and under-stair storage. Upstairs, the primary suite has been fully remodeled to include a beautifully tiled walk-in shower with glass enclosure, a separate garden tub, and a large walk-in closet. The second bedroom also features its own full bathroom with an updated vanity and commode, along with a conveniently located laundry area. All interior doors throughout the home have been replaced. Enjoy your morning coffee or unwind in the evening in the screened-in lanai just off the living room. The home also includes a one-car garage with a private parking pad, plus guest parking directly across the street. Residents of Countryside Woods benefit from low monthly fees covering exterior painting, grounds maintenance, private roads, community pool and spa, and trash service. This is a high-and-dry location. No flood insurance required and not in an evacuation zone. Ideally situated, you’ll have easy access to stunning Gulf beaches, vibrant downtown areas, both Tampa International and St. Pete-Clearwater airports, and an abundance of shopping, dining, and entertainment options, all just a short drive away. The remodel was completed in 2025. Front door installed in 2025. HVAC (2017). Roof (2013 - tile). Electrical panel updated with the past 5 years.
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.
