Just listed in one of Sahuarita's most desirable communities, this Pulte-built Zuri floorplan delivers 3,669 sq ft designed for next-gen and multi-generational living. Homes offering this level of space, upgrades, and walkable amenities are rare and do not stay on the market long. This exceptional home offers 5 spacious bedrooms, 3.5 bathrooms, a dedicated office/den, oversized loft, and a 3-car garage with epoxy flooring and overhead storage—offering flexible living spaces that allow everyone their own sense of privacy, ideal for next-gen living, young adults at home, extended family, or long-term guests. Formal living and dining areas with wood and tile flooring flow into the open-concept family room and kitchen, perfect for everyday living and entertaining. The gourmet kitchen features granite countertops, stainless steel appliances, custom backsplash, walk-in pantry, breakfast bar, eat-in dining area, and abundant cabinetry with pull-out drawersfeatures today's buyers value most. Upstairs, all bedrooms include walk-in closets. The expansive primary suite offers double-door entry to a customized sitting area. The primary bath features dual vanities, jetted soaking tub, walk-in shower, beautiful tile accents, and a massive custom walk-in closet with upgraded finishes and sensor lighting. Secondary baths include a Jack-and-Jill bath and a hallway bath with dual vanities for comfort and privacy. The professionally landscaped backyard is an entertainer's escape with an extended covered patio, mature vegetation, and low-maintenance designperfect for relaxing evenings or gatherings year-round. Within walking distance to top-rated schools, the award-winning Rancho Sahuarita Clubhouse, lake, community pools, water park, dog parks, and more, this move-in-ready home presents outstanding long-term value and is one buyers will want to see sooner rather than later.
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.
