Welcome to Harrington at Halifax Plantation, one of Ormond Beach's most sought-after maintenance-free communities. This Cypress model by Paytas Homes is a masterfully built, meticulously maintained 3-bedroom, 2-bath saltwater pool home that seamlessly blends comfort, style, and Florida living. Tucked on a quiet cul-de-sac and Move-in ready with all major systems updated: Roof (2024) · HVAC – Carrier Two-Speed with UV Light (2025) · Water Heater (2021) · New Stainless-Steel Appliances · Fresh Interior Paint · Upgraded Carpet · New Ceiling Fans & Light Fixtures. Step through the leaded glass double-door entry to soaring high ceilings, elegant trey ceilings with crown molding, and formal dining and living rooms that draw your eye straight through to the sparkling pool beyond. Superior architecture and thoughtful design define every space, from the refined formal rooms to the open-concept kitchen, family room, and breakfast nook, all overlooking the expansive screened lanai and heated saltwater pool. The gourmet kitchen features granite countertops, a raised breakfast bar, brand-new stainless-steel appliances, tile backsplash, pantry, updated fixtures, and a large coffee bar with additional storage. The split floor plan ensures the spacious primary suite remains a true private retreat, complete with a trey ceiling, crown molding, upgraded carpet, updated ceiling fan, and a slider with direct pool access. The en-suite bath offers dual vanities with white cabinetry, a garden soaking tub beneath an arched window, a separate walk-in glass shower, and tile flooring bathed in natural light. Two well-sized guest bedrooms feature upgraded carpets, updated ceiling fans, and ample closet space — ideal for family, guests, or a home office. Outside, a screened heated electric saltwater pool and spacious lanai back to a private conservation area with no rear neighbors — your own Florida outdoor sanctuary year-round. Halifax Plantation delivers resort-style living with 18 holes of championship golf, practice facilities, 4 clay tennis courts, a fitness center, junior Olympic-size pool, and a 25,000 sq. ft. clubhouse featuring fine dining, a sports pub, banquet facilities, and meeting rooms. Miles of Live Oak-canopied boulevards are perfect for walking and biking. Beaches, parks, and everyday conveniences are minutes away. Maintenance-free. Move-in ready. Private pool. Conservation views. This is more than a home — it's a retreat, a lifestyle, and a community all in one.
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.
