Calvert County colonial charmer - Huntingtown beauty! 🧡 A precious PEACH BLOSSOM FARM Neighborhood gem 🍑 this 4 BEDROOM, 2.5 BATH home, with IN-GROUND POOL and extensive recent upgrades, is located in the heart of Calvert County & within the TOP RANKING Huntingtown School District. Welcome to 3531 Fortuna Court. This 2 story colonial sits on a spacious homesite and offers a classic layout, outdoor living space and neighborhood amenities that make Peach Blossom Farm one of Huntingtown’s most coveted communities. A welcoming wraparound front porch and long private driveway create inviting curb appeal from the moment you arrive. Inside you will find beautiful hardwood flooring, crown molding, chair rail detail and abundant natural light throughout the first floor. The traditional center hall floor plan includes a spacious dining room and comfortable living room while the kitchen opens to the family room creating the perfect space for everyday living and entertaining. Powder room, main level laundry and access to the 2-car side load attached garage, are all located on the first floor for ultimate convenience. The upper level features FOUR spacious bedrooms, providing the ideal layout for family living, guests, or home office space. The owner’s suite offers comfortable space, generous closet storage, and a private en-suite bathroom . Out back you will find the perfect space for relaxation and entertainment. A large rear deck (2022) overlooks the backyard and leads to the private IN-GROUND POOL creating a true backyard retreat for summer enjoyment. Recent pool improvements include new liner (2022), pool fence (2022), pool cover (2022), and updated pool filter equipment (2023). A detached storage shed provides additional storage for tools and equipment. This home also offers extensive recent upgrades including a NEW ROOF (2022), HVAC system replacement (2021), whole-house water filtration system (2021), garage door (2021), and garage door opener (2025). 📍 LOCATION, LOCATION, LOCATION! 3531 Fortuna Court is located within the coveted PEACH BLOSSOM FARM community. Community amenities include two playgrounds, picnic pavilion, baseball fields, basketball courts, and tennis courts. 3531 Fortuna Court is located within the top-ranking Huntingtown school district and within a few minutes drive to the elementary, middle and high schools, as well as major commuter routes 2/4. Do not miss this rare opportunity to own a well-cared-for home with space, outdoor amenities, and a sought-after neighborhood location in Huntingtown! Schedule your showing today. 🍑
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.
