36522 Winding Oak Pl, Purcellville, VA 20132
5 beds · 4 baths · 3,685 sqft
A RARE water-view home opportunity in Western Loudoun County! Tucked at the end of a quiet cul-de-sac with peaceful water views, this beautifully updated stone-front home offers the best of comfort, style, and location. A charming wrap-around porch sets the tone, perfect for morning coffee or relaxing evenings. Inside, you’ll find hardwood floors, a bright, open floor plan, and a two-story family room filled with natural light and anchored by a stone, gas burning fireplace . The kitchen flows effortlessly into the main living space, ideal for entertaining or everyday living. The main level includes a dedicated home office. Recent updates throughout the home include new paint, new carpeting, and a new microwave (2025)—making it completely move-in ready. The finished walk-out basement has a spacious rec-room, bedroom, and full bathroom, perfect for guests, a playroom, or a private retreat. Step outside to your private backyard oasis with a large deck, finished patio, fire pit, and water access for kayaking, paddle boarding, or simply enjoying the view. Whether you're hosting friends or winding down under the stars, this home offers an ideal blend of relaxation and lifestyle. Located just minutes from downtown Purcellville, hiking trails, wineries, breweries, shopping, and major commuter routes, this is a rare opportunity you won’t want to miss. Schedule your private tour today!
Source: BRIGHT #VALO2096826
Source: BRIGHT #VALO2096826
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.
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.
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.