Tucked inside the Victoria Crossing community, this end unit townhome offers the kind of easy, low maintenance living that just feels right from the moment you arrive. A welcoming covered front porch sets the tone, perfect for slow mornings with coffee or winding down in the evenings, while the added privacy of an end unit brings in extra natural light and a more open, airy feel throughout. Inside, the home has been thoughtfully updated with neutral paint tones and LVP flooring, creating a fresh, cohesive backdrop for everyday living. The kitchen is both functional and inviting, featuring stone countertops, stainless steel appliances, a breakfast bar for casual dining, and a pantry that keeps everything within reach. Upstairs, a versatile loft offers the perfect flex space, ideal for a home office, reading nook, or additional sitting area, adding both function and flexibility to the home. The spacious primary suite serves as a true retreat, complete with a walk-in closet and an en-suite bath featuring a double vanity with stone countertops, a separate tub and shower, and a soaking tub designed for unwinding at the end of the day. Out back, a large brick paver patio creates the perfect extension of your living space, fully fenced for privacy and ideal for pets, play, or quiet evenings outdoors. Beyond the fence, the home backs up to a wooded area, adding a peaceful, private backdrop that is hard to find. The attached one car garage with built in shelving adds practical storage, while the overall flow of the home makes the most of every square foot. Living here means you are perfectly positioned to enjoy everything Woodstock has to offer, a vibrant, growing area known for its charming downtown, local restaurants, boutiques, and year-round events that create a true sense of community. And with close proximity to Acworth, you will also have quick access to additional shopping, dining, and outdoor recreation, including nearby lakes and parks. Whether you are looking for a place to settle in or a smart investment in a thriving area, this home offers comfort, convenience, and connection, all in one.
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.
