This 3-bedroom, 2-bath home in Highlands Crossing isn’t just another listing—it’s designed for comfort, style, and convenience. Out back, a screened-in lanai and saltwater pool overlook a wide pasture view with no homes behind you, creating the kind of privacy and setting that defines Florida living. Sliding glass doors connect the main living space directly to the lanai, making indoor-outdoor living feel natural and easy. Step inside to find a dedicated office at the front of the home, complete with glass doors so you can close it off for quiet and privacy when needed. The layout is not fully open, but intentionally connected—vaulted ceilings and open wall pass-throughs allow the living and dining rooms to flow together while still giving each space its own purpose. Natural light carries through the home, and the main living area opens directly to the screened-in porch and pool. Across from the office, a separate family room provides an additional gathering space and transitions into the kitchen, where a bar-top seating area keeps everything connected without sacrificing structure. Just off the kitchen, the laundry room offers extra storage and leads directly to the two-car garage for everyday convenience. The garage is positioned on the side of the home rather than the front, adding to the overall curb appeal. The primary suite is set apart for privacy and high ceilings, a walk-in closet, and an en-suite bath with double sinks, a soaking tub, and a separate walk-in shower. On the opposite side of the home, bedrooms two and three share a full bath, with nearby access to the pool and lanai—ideal for guests or flexible use. The screened-in pool area is where this home really stands out. Whether it’s a quiet morning overlooking the pasture or an evening by the pool, the setting offers space, privacy, and a view that’s hard to replicate in this price range. Positioned on a curve with a larger-than-average 0.51-acre lot, the property offers additional breathing room both in front and out back. Key updates include a 2020 fiberglass saltwater pool and screen enclosure, a 2025 pool pump, a 2019 3.5-ton HVAC system, and a 2018 roof—giving buyers confidence in the major components while enjoying a move-in ready home.
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.
