ASSUMABLE 3.625% INTEREST RATE FOR QUALIFIED BUYERS!Move-In Ready in Award-Winning Nexton - North Creek Village.Welcome to 400 Dunlin Drive, a pristine 4-bedroom, 3-bath home located in the nationally acclaimed master-planned community of Nexton, previously voted the #1 Master-Planned Community in the U.S. by the National Association of Home Builders.Nestled in North Creek, one of Nexton's most charming enclaves, this home backs to a scenic 7-acre pond and is just a short walk to the amenity center and pool. Combining Lowcountry charm with modern convenience, the residence features elevated post-build upgrades, low-maintenance living, and proximity to top-rated schools, dining, and recreation--all within one of America's most innovative communities.Interior Highlights Step inside to an open, light-filled layout enhanced by added windows and luxury details. The Driftwood Oak flooring in all common spaces downstairs delivers a timeless yet modern tone throughout the main living areas. A main-floor guest suite with adjacent full bath offers ideal flexibility for guests, remote work, or multi-generational living. The chef's kitchen anchors the home, boasting a massive island, salt-and-pepper granite counters, stainless steel appliances, 5-burner gas range, and crisp alpine white castled cabinetry with crown detail. A walk-in pantry with added custom shelving and cabinetry as well as a butler's pantry provide additional storage and function for daily living and entertaining. Primary Suite & Upper Level Upstairs, the expansive primary suite offers serene pond views, a dual granite vanity, fully tiled rain shower with bench, and a large walk-in closet. Two additional bedrooms share a full hall bath with dual vanity, and the oversized bonus/game room (275+ sq. ft.) provides endless versatility for a media room, gym, play space, or converting to a 5th bedroom. The laundry room features upgraded lighting, cabinetry, folding table, and custom linen storage. Exterior & Outdoor Living Curb appeal shines with a stacked-stone façade, covered front porch, and professional landscaping. The screened back porch overlooks the fenced yard and peaceful pond. Added features include gutters with French drains, epoxy-coated garage floors, and a tankless water heater. Community & Location Residents of North Creek enjoy exclusive access to a clubhouse with wrap-around porch and fireplace, 25-meter competition pool, activity lawn, observation deck, lakes, and miles of trails. Located minutes from Publix, Starbucks, Halls Chophouse, Taco Boy, The Rustic Muffin, and the Lowcountry's largest YMCA. Nearby employers include Volvo, Google, and Roper St. Francis Hospital - all within 4 miles. The forthcoming Nexton Middle School and Berkeley County Park further enhance long-term value. Financing Advantage This home's assumable 3.625% interest rate presents a rare opportunity to lock in a substantially lower payment compared to current market rates - subject to lender approval and buyer qualification. 400 Dunlin Drive delivers modern comfort, functional design, and exceptional community living - all in one of the Lowcountry's most desirable addresses. Schedule your private showing today.
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.
