SELLER'S PREFERRED LENDER OFFERING 4K CREDIT TO QUALIFIED BUYERS WHEN UTILIZED FOR FINANCING. Welcome to 3800 Summersville in Fort Worth, TX, located in the highly sought-after McPherson Ranch community—where comfort, convenience, and lifestyle come together perfectly for families, professionals, and anyone looking to elevate their everyday living. This beautifully renovated home offers the privacy you’ve been searching for, paired with a resort-style saltwater pool featuring a tanning ledge and cocktail seating—making it the ultimate space for entertaining guests or unwinding after a long day. Step inside and experience a thoughtfully upgraded interior showcasing a gourmet kitchen with abundant built-ins, sleek luxury vinyl plank flooring, and a fully upgraded primary suite and bathrooms designed with both style and functionality in mind. Every detail matters here—including custom Elfa shelving systems in every closet and the laundry room for maximum organization and efficiency. Living in McPherson Ranch means more than just owning a home—it’s about lifestyle. Enjoy access to community fishing ponds, scenic jogging and biking trails, playgrounds, and neighborhood pools, creating endless opportunities for family time and outdoor living. Prime Fort Worth Location: 3800 Summersville places you just minutes from top-rated schools, major highways, shopping centers, dining, and entertainment—making daily commutes and weekend plans effortless. Whether you're heading into the city or staying local, everything you need is right at your fingertips. Why This Home is Perfect for Your Family: Move-in ready with modern upgrades Family-friendly neighborhood with amenities Ideal for entertaining and outdoor living Strong location with long-term value Designed for comfort, function, and style This is more than just a home—it’s a place to build memories, grow, and truly enjoy the Fort Worth lifestyle.
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.
