Professional photos on the way. Premium lot backing to trees, spacious end-unit living, a large entertaining deck, and smart-home upgrades in sought-after Stone Ridge — welcome to 41935 Cinnabar Square. Offered at $729,900, this elegant end-unit townhome in Aldie blends timeless comfort with modern convenience. Beautifully refreshed with fresh interior paint, updated flooring, and an updated primary suite bath, the home feels bright, spacious, and polished from the moment you walk in. Set on a premium lot with a peaceful wooded backdrop, this home offers a rare sense of privacy and extra outdoor enjoyment. The large rear deck is perfect for entertaining, outdoor dining, morning coffee, or relaxing at the end of the day with tree-lined views. As an end unit, the home also enjoys added windows, abundant natural light, extra yard space, and a more open feel throughout. Inside, generous living spaces offer an easy flow for everyday living, hosting, working from home, and relaxing. Thoughtful updates and smart-home features add comfort and convenience, including an Ecobee thermostat, August smart lock, Z-Wave/SmartThings-compatible controls, Arlo camera, dimmable ceiling lighting, automatic light switches in closets and the laundry room, and a Verizon modem that conveys. For today’s connected lifestyle, the home also offers structured network wiring/Ethernet-style data connections, ideal for streaming, remote work, gaming, and smart-home devices. The HVAC system includes a whole-home humidifier and UV air purification light/ UV air cleaner, designed to help support cleaner air circulation through the system. A home warranty will also convey for added peace of mind. Located within the highly regarded Loudoun County Public Schools system, this home is served by highly rated elementary, middle, and high school options, adding to the overall appeal of the Stone Ridge community. All of this is set within Stone Ridge, a beautifully planned and walkable community known for resort-style amenities and everyday convenience. Residents enjoy access to multiple community pools, tot lots, the Nettle Mill Clubhouse, fitness amenities, sport courts, parks, trails, and more. Conveniently located near commuter routes, shopping, dining, schools, and Dulles International Airport, this home offers a polished lifestyle in one of Loudoun County’s most desirable communities.
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.
