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4141 Philena St, Dumfries, VA 22025
6 beds · 4 baths · 3,436 sqft
Welcome to your dream home in the heart of Dumfries! Located in the desirable Davis Estate subdivision, this stunning 3-level residence offers 6 bedrooms, 3 full bathrooms, and 1 half bathroom, providing space, style, and modern convenience for today’s living. Boasting over 3,000 square feet, this home features a smart layout with 4 spacious bedrooms upstairs and 2 additional bedrooms on the lower level—perfect for guests, extended family, or a home office setup. Home features Fully Renovated Bathrooms (2025), Modern finishes and elegant touches throughout all full and half baths. Updated Kitchen (2024), Enjoy cooking with beautiful new countertops and upgraded appliances (2020) . New Roof (2022), Peace of mind with recent structural updates. HVAC System Updated (2024), Efficient and reliable year-round comfort. Deck Refreshed (2021) – Ideal for outdoor entertaining or relaxing evenings. Just minutes from Interstate 95, Route 1, and local commuter lots, making your daily drive stress-free. Plus, you're conveniently close to shopping centers, movie theaters, and a variety of restaurants—everything you need is right at your fingertips. Whether you’re looking for space to grow, entertain, or relax, this home checks all the boxes. Don’t miss this rare opportunity in one of Dumfries’ most established communities! Schedule your tour today and make this incredible home yours!
Source: BRIGHT #VAPW2095584
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 #VAPW2095584
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 620, 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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.
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