Exceptional 3-bedroom, 2-bath home with 2 living areas, an office and ample storage throughout in the highly sought-after La Cima community, offering upscale living, thoughtful design, and premium outdoor features. From the moment you enter this 2,260 sqft fully tinted home, you’ll notice the soaring ceilings, and clean lines that highlight the home’s open-concept layout. The kitchen features beautiful quartz countertops, stainless gas appliances, a pantry, and a large island with a single-basin sink that flows into the spacious living and dining areas—ideal for entertaining or everyday comfort. The primary suite is privately positioned with large bay windows. It features a spa-like bathroom with dual vanities overlooking a scenic country view, a walk-in shower, custom built in closet and custom storage cabinet. Secondary bedrooms are well-sized, and the additional flex/entertainment room provides versatility as a kids' playroom, a 4th bedroom or a second living space. Step outside to one of the home’s standout features—a fully screened-in back patio designed for year-round enjoyment, complete with modern finishes, ceiling fans, and ambient lighting. Overlooking a serene greenbelt, the backyard continues to impress with a custom gazebo and hot tub, plus gas already available for those looking to create an outdoor kitchen. The property is further enhanced by a green space lot on the left side, offering added privacy and a stunning 100+ year-old oak tree as your natural neighbor. Located in Section 2 of La Cima, this home benefits from a LOWER PID of only $148/month, compared to $250–$320/month currently in Phase 3 —a significant savings that can equal $40K–$60K instantly to you. Location within the community truly matters. Additional highlights include a VA assumable loan at 2.25% for qualified veteran buyers. Plus the Seller is offering to pay ALL 2026 HOA dues at closing, adding even more value. Come check this one out!
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.
