Welcome to this stunning, meticulously maintained home in Dallas, GA—where comfort, style, and functionality come together seamlessly. From the moment you arrive, you’re greeted with charming curb appeal featuring a covered front porch, beautiful stone accents, and a warm, inviting entry. Step inside to a bright, open layout highlighted by LVP floors, detailed trim work, and elegant architectural features throughout. The main level showcases a formal dining room with coffered ceilings, perfect for hosting, along with a spacious living room centered around a cozy fireplace. The heart of the home is the chef’s kitchen, featuring granite countertops, stainless steel appliances, a large island with seating, and a walk-in pantry—flowing effortlessly into the main living space for ideal entertaining. Just off the kitchen, you’ll find a butler’s pantry—perfect for additional prep space, storage, or serving—and a bright sunroom filled with natural light, creating the perfect spot for morning coffee, a reading nook, or additional living space. Upstairs, retreat to the oversized primary suite, featuring a spa-like bathroom with dual vanities, a soaking tub, separate shower, and dual walk-in closets for exceptional storage. One of the standout features of this home is the expansive upstairs landing, offering incredible flexibility as a second living room, media space, playroom, or open family room—perfect for modern living. Enjoy outdoor living year-round on the screened-in back porch overlooking a private, fenced backyard, ideal for relaxing or entertaining. Additional highlights include: Spacious secondary bedrooms Open-concept design with abundant natural light Butler’s pantry + sunroom (rare upgrades) 2-car garage Thoughtfully designed layout with multiple living spaces This home offers the perfect blend of elegance, space, and versatility in a desirable location close to shopping, dining, and top-rated schools.
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.
