One or more photo(s) has been virtually staged. Welcome to Villa d’Este at Cypress Creek, a sought-after GATED community welcoming residents of all ages with No CDD fees, a low HOA, and No flood zone. This private pool home is situated on an oversized, fully fenced corner lot offering exceptional privacy and outdoor space. Built by William Ryan Homes, the popular Canaveral floor plan showcases impressive architectural details, including elegant columns framing the covered front porch and a spacious three-car garage. With just under 2,200 square feet of living space, this thoughtfully designed home features 4 bedrooms, 2 full bathrooms, and an office. Elegance, comfort, and modern finishes blend seamlessly with arched entryways, high ceilings, crown molding, 8’ doors, and a passthrough adorned with a custom-made feature. The Great Room serves as the heart of the home, thoughtfully designed for both everyday living and effortless entertaining. The spacious layout easily accommodates oversized furnishings, creating a comfortable and inviting gathering space. The gourmet-style kitchen features wood cabinetry, granite countertops, top-of-the-line stainless steel appliances, including a wall convection oven, and timeless finishes. The breakfast bar is the perfect spot for guests to gather, while the adjoining dining area provides a welcoming space for casual, everyday meals. Enjoy seamless indoor-outdoor living with the covered and screened rear lanai, ideal for relaxing and enjoying the Florida weather. The sparkling saltwater pool features a premium PebbleTec® finish, child safety fence, and convenient outdoor shower. The fully fenced backyard offers plenty of space for pets and play, framed by mature Queen palms and a solar-lit fence that enhances the tropical setting. Back inside, the spacious primary bedroom features a striking accent wall, ample room for king-size furnishings, and an updated oversized ceiling fan. The en-suite bathroom is equipped with dual sinks, granite countertops, upgraded fixtures and mirrors, an oversized walk-in shower, a soaking tub, and a separate water closet. Three generously sized secondary bedrooms offer comfortable accommodations and convenient access to the second full bathroom, complete with a walk-in shower and direct pool access. The interior laundry room adds everyday convenience, while the spacious three-car garage includes an electric vehicle charger and ample room for vehicles, bikes, a golf cart, and additional storage. This pet-friendly community offers quick access to shopping and restaurants and is just minutes from I-75 and local golf courses, including Cypress Creek—an active course featuring a full-service pro shop, lessons, and a restaurant open to the public. This exceptional home offers the perfect blend of privacy, luxury upgrades, and an active Florida lifestyle in one of Sun City Center’s most desirable gated communities.
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.
