Welcome to this private, wooded .85-acre setting near Mount Vernon with a rare sunroom-to-deck layout that feels like a retreat. This updated 4-bedroom, 3 full bath home offers modern systems and flexible living space, and is move-in ready and designed for everyday comfort. From the moment you enter, the home draws your eye straight through to the sunroom and the wooded landscape beyond—a clear sightline that immediately sets it apart. The sunroom and expansive 750 sq ft deck create a true retreat, evoking the feel of a wooded chalet and overlooking a private half-acre lot with a creek. Just outside, the deck with aluminum framing and glass-panel railing offers a comfortable place to relax, entertain, or simply take in the view. It’s a setting the current owners used every day—morning coffee, quiet breaks, and evenings outdoors—where the connection to the surrounding trees and open space brought a steady sense of calm before and after long days. It’s a rare kind of privacy and tranquility that’s increasingly hard to find in this area. The backyard features mature hickory and white oak trees rising above an ivy-covered glade, along with established garden beds that provide color from spring through early fall. The property regularly attracts songbirds, deer, and the occasional fox, adding to the quiet, natural character that defines the setting. Inside, the home has been extensively updated with a focus on comfort and practicality. Hardwood floors on the main and upper level offering classic character. All bathrooms have been renovated (2023–2026), and the lower level offers excellent flexibility with a full bath, a bedroom-capable office, upgraded laundry space, and generous built-in storage—well suited for guests, remote work, or multi-purpose use. Major system updates include a new HVAC system (2023), tankless LNG water heater (2023), and a new refrigerator 2026. Located in the Sulgrave Manor area, the home offers both privacy and convenience. Mount Vernon is just minutes away and has been a regular spot for walks and outdoor time. Grocery stores, dining, and everyday amenities are within five minutes, while commuters benefit from quick access to the George Washington Memorial Parkway, I-95, and the Fairfax County Parkway. Fort Belvoir is approximately 15 minutes away, and the Pentagon is about a 40–45 minute drive along the peaceful Parkway. Quantico is about the same time going south on 95. With major updates already completed and a setting that stands out in the local market, this home offers a practical, move-in ready option with a rare combination of space, privacy, and accessibility.
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.
