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4049 Chatham Dr, King George, VA 22485
3 beds · 3 baths · 2,581 sqft
Welcome to Chatham Village, where one-level living meets comfort and convenience in a beautifully designed home with over 2,500 square feet of thoughtfully planned space and a full unfinished basement for future expansion or exceptional storage. Set in an established neighborhood just minutes from Dahlgren and the Naval Surface Warfare Center, this home offers both tranquility and accessibility. Step up onto the wide front porch with a covered entry into the home. The warm, open foyer graced with gleaming hardwood floors and sunny sidelights on either side of the entry door welcomes you into this wonderful home. To your left, a private office or den provides a perfect work-from-home setup, while to your right, a formal dining room awaits gatherings both large and small. Continue straight ahead to the spacious family room, where vaulted ceilings and a cozy fireplace invite relaxation. Flanked by windows that frame views of the screened porch, this central space effortlessly connects indoor and outdoor living. The generously sized primary suite is privately located on one side of the home. French doors open directly to the screened porch—an ideal spot for morning coffee or evening winding down. The ensuite bath is a true retreat with dual vanities, a soaking tub, walk-in shower, water closet, and a large walk-in closet. New carpet throughout the home adds a fresh and inviting feel, and a conveniently located half bath is perfect for guests. The kitchen is light and open, with a breakfast nook that also leads to the screened porch, making casual dining a breeze. A compact island offers additional prep space, The kitchen counter is designed for barstool seating, while ample cabinetry ensures room for all your culinary essentials. On the opposite side of the home, two more bedrooms share a full bath, perfect for family or guests. The split-bedroom design enhances privacy and livability. These bedrooms have ample closet space and sunny windows. All bedrooms on the rear of the house have a wooded border view. The wide hallway near the kitchen leads to a laundry room and the massive attached garage. Here, you’ll also find access to the expansive unfinished basement—offering another 2,500 square feet of storage, or the potential to create additional living space. A separate exterior entrance makes future finishing even more practical. On the opposite side of the home the driveway widens for easy access to the side-load garage and offers ample parking for guests. This home is enhanced by solar panels which provide affordable monthly utility bills. More information is available from the listing agents. No buyer financing for the solar panels is required and the value of these important panels is priceless! A whole house gas generator provides added comfort and convenience. Perfectly situated just 2.5 miles from Dahlgren and close to the Nice Bridge for easy access to Maryland, this location also offers nearby shopping, dining, and essential services. And with Fredericksburg only 30 minutes away, you’ll enjoy the best of small-town charm and modern convenience. This home truly has it all—space, function, and an unbeatable location. A quick-close can be accommodated!
Source: BRIGHT #VAKG2006614
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 #VAKG2006614
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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