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4005 Kloman St, Annandale, VA 22003
5 beds · 3 baths · 3,144 sqft
A Winterset gem, nestled on a dead end street in the Mantua/Frost/Woodson schools triangle, this home boasts 5 bedrooms, 2.5 baths over 4 levels and over 3100 sq. ft. The main level features a bright, inviting kitchen with a bay window, granite countertops, tile backsplash, large pantry, breakfast nook, built-in desk, and stainless steel appliances. From the kitchen, enjoy convenient access to the two-car garage. Hardwood floors flow through the spacious living and dining rooms, which open to a charming brick patio—perfect for warm-weather entertaining. For an extra touch of summer fun, the exterior wall of the garage doubles as the perfect movie screen for outdoor movie nights under the stars. Upstairs, the primary suite offers a walk-in closet, spa-like bathroom with a glass shower and contemporary vanity. Three additional bedrooms with generously sized closets and a full bath complete this level. Step down on the first lower level, new wood flooring leads to a spacious family room with four large windows that bring in abundant natural light, a striking brick accent wall, and a wood burning fireplace for cozy evenings. This level also features a bonus room with french doors, an updated half bath, and a laundry/storage room with direct access to the backyard through a side door. The basement is fully finished and flexible—perfect as a rec room, playroom, gym, or guest space—with walk-up access to the fenced backyard. Outside, the yard offers a serene escape with mature trees, a brick patio and walkway, and a large storage shed. Ideally situated near commuter bus routes, this home offers convenient access to the Pentagon and Washington, DC—perfect for daily commuters. The neighborhood is full of charm and community spirit, featuring an active civic association that organizes annual events, a nearby park with soccer fields and a playground, and quick access to the Cross County Trail. Residents also enjoy proximity to two community pools (membership not included), rounding out the area's abundant recreational options.
Source: BRIGHT #VAFX2242830
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
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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 #VAFX2242830
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.
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