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3809 13th St S, Arlington, VA 22204
3 beds · 1 baths · 1,660 sqft
Charming Douglas Park Home with Rare 3.75% Assumable VA Loan Option Welcome to 3809 13th Street S, a thoughtfully updated home nestled in the heart of Arlington’s sought-after Douglas Park neighborhood. This inviting residence offers three finished levels of comfortable living space, featuring fresh designer paint, refinished hardwood floors, a fully renovated bathroom, and a kitchen equipped with stainless steel appliances—perfect for both relaxing and entertaining. Upstairs, downstairs, and everything in between—there’s room to live, work, and unwind. Step outside and enjoy easy access to parks, trails, local favorites for dining and shopping, and major commuter routes—blending neighborhood charm with everyday convenience. A major bonus for qualified buyers: the existing VA loan with a 3.75% interest rate is assumable, offering substantial monthly savings in today’s high-rate environment. Whether you’re looking for your first home or your next smart move, this Douglas Park gem delivers location, comfort, and long-term value.
Source: BRIGHT #VAAR2056050
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #VAAR2056050
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.
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