Welcome to effortless, elevated living in a newer desirable 55+ community in Loudoun County just outside of Washington DC. Located in Cadence at Lansdowne, 43899 Siren Song Terrace is a premium end-unit Beaumont model that feels almost new—very lightly lived in and thoughtfully designed for comfort, flexibility, and abundant natural light. With 3 bedrooms + office, 3.5 bathrooms, and an attached 2-car garage, this home offers both style and exceptional livability. As an end unit, the home is filled with extra windows and beautiful light throughout. The main level features open-concept living with tall ceilings, a gourmet kitchen with island, white cabinets and seamless flow into the spacious living and dining areas. A sliding glass door leads to a private patio and green space, creating an ideal indoor-outdoor connection for everyday living or entertaining. One of the home’s most desirable features is its two spacious primary suites—one conveniently located on the main level, and a second upstairs paired with a large adjacent sitting room, perfect for relaxing, hosting guests, or creating a private retreat. The upper level also offers an additional full bedroom, hall bath, a dedicated office space, and another generous living area, allowing for flexible use to suit a variety of lifestyles. The attached two-car garage, ample storage, and thoughtful layout enhance daily ease, while the home’s near-new condition provides peace of mind. Cadence at Lansdowne is a newer, vibrant 55+ community designed for easy living—balancing tranquility with convenience. The community offers pickleball and sports court, a dog park, picnic pavilion with grill while being adjacent to paths that wind throughout the abundant nature of the community. Living is easy with a lower monthly fee including front yard maintenance, trash pick up and snow removal. For more community activities, owners may join Lansdowne or nearby Ida Lee. Everyday shopping and dining are just minutes away at Lansdowne Town Center, featuring Harris Teeter, Panera, Ford's Fish Shack, many services, additional dining and conveniences. The award-winning Inova Loudoun Hospital is less than three miles away, along with Whole Foods Market, Wegmans, movie theaters, Leesburg Premium Outlets, Historic Downtown Leesburg and many Loudoun County Breweries, Wineries, Antiquing and History. Outdoor options are abundant in the area with three private golf courses within a few miles and a trail adjacent to the community that connects to riverfront parks. Commuting and travel are also convenient, with Washington Dulles International Airport approximately 12 miles away, Washington, DC about 34 miles, and Shenandoah National Park within easy reach for weekend escapes. This is a rare opportunity to enjoy an almost-new, light-filled end-unit townhome paired with a low-maintenance 55+ lifestyle in a truly outstanding Lansdowne location.
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.
