Welcome to this rare, move-in-ready gem in Brentwood Park—a beautifully updated townhome tucked away in Tampa’s highly desirable Northdale community. Perfectly blending comfort and convenience, this home offers a premium, low-maintenance lifestyle just minutes from the vibrant dining and retail along Dale Mabry Highway. Enjoy seamless connectivity to I-275 and the Veterans Expressway, keeping Downtown Tampa and Tampa International Airport under a 25-minute drive away. Best of all, this gem qualifies for up to $15,000 in down payment assistance for first-time buyers and eligible veterans (eligibility and restrictions apply). This home offers the perfect blend of comfort, convenience, and prime location. Residents of this quiet, sidewalk-lined neighborhood enjoy access to a resort-style community pool and clubhouse just steps from your front door. Outdoor and sports lovers will thrive with nearby YMCA facilities, Northdale Park, and Carrollwood Village Park all close by. Best of all, you are just 3 minutes from the Northdale Golf & Tennis Club, home to premier golf, tennis, and the exciting new Pickle Social Lounge! A charming front courtyard welcomes you home. Inside, you are greeted by modern, low-maintenance tile flooring and recessed lighting flowing across a bright, open-concept main level. The modern kitchen is outfitted with granite countertops, stainless-steel appliances, ample storage, and a cozy breakfast nook for your morning coffee. From here, the space flows seamlessly into a spacious dining and living room combo. A convenient powder room and direct access to the 1-car garage round out the practical main floor layout. Off the living room, elegant French doors open to a fully enclosed, Florida room complete with bonus storage. This versatile, sun-drenched space offers peaceful views of the patio and the wooded conservation area behind the home. Whether utilized as a remote-work sanctuary, a reading nook, or a secondary lounge, it provides the ultimate setup for indoor-outdoor living. Modern laminate flooring guides you upstairs and extends throughout the entire second level, thoughtfully designed for maximum privacy. The spacious primary suite serves as a true sanctuary, featuring a walk-in closet and a beautifully renovated en-suite bathroom boasting modern finishes, a dual-sink vanity, and a stylish shower-tub combo. A generously sized secondary bedroom and an updated full bathroom provide excellent accommodations for family or guests. Adding incredible flexibility to the floor plan, a versatile third bedroom featuring modern barn doors can easily serve as a flex space, playroom, or home office. Don't miss your chance to call this highly sought-after, established community home. Schedule your private showing today and discover the unique charm and lifestyle waiting for you in Brentwood Park!
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.
