Welcome to 4110 Tyx – a Hill Country Micro-Farm Retreat with Breathtaking Canyon Views, Modern Comforts, and No Restrictions! SPECIAL FINANCING AVAILABLE. Nestled among celebrity neighbors in the heart of the Texas Hill Country, this charming 4-bedroom, 3-bath cottage-style home offers a unique reverse floor plan features the main living, dining, and kitchen areas plus 3 bedrooms upstairs, with an additional bed, bath, and an living room downstairs—ideal for guest. Designed to capture the beauty of its surroundings, the primary suite, kitchen, and living room showcase panoramic canyon views. Step onto the expansive deck, perfect for morning coffee, evening sunsets, or weekend entertaining. For those seeking a true micro-farm lifestyle, this property delivers. The partially fenced backyard currently has free-range chickens and offers space for vegetable gardens and fruit trees. The land is filled with native flowering plants that attract butterflies and pollinators, and it can also support active beehives for honey production. Over 125 yards of enriched soil have been added to create a thriving micro-farm with a ton of fruits and vegatables. Perched on a private cliff overlooking Lick Creek, which feeds into the Pedernales River, this property provides direct access for kayaking, fishing, and wildlife watching. Natural cliffs and cave formations add to its rare Hill Country charm. Recent updates include: • Water filtration system (2025) • Septic pump & wiring (2025) • Exterior paint (2024) • Balcony flooring, railings & beams (2024) • Hot water heater (2023) • AC compressor (2020) & blower (2025) • Septic sump pump (2021) • Interior AC unit (2018) • Well head (2017) Blending modern comfort, natural beauty, and sustainable living, this is a Hill Country micro-farm retreat where you can enjoy privacy, scenic views, and the freedom to live off the land—all within easy reach of local restaurants, shops, and city conveniences.
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.
