BEST PRICE IN RENAISSANCE! Very impressive home located on the 5th green of the Renaissance Club golf course, offering elegant, low-maintenance living in one of Sun City Center’s most desirable neighborhoods. This beautifully upgraded multigenerational residence features three bedrooms plus a den, providing flexibility, comfort, and exceptional views. The chef’s kitchen is the heart of the home, showcasing an abundance of 42" wood cabinetry, natural gas cooking, stainless steel appliances, granite countertops with backsplash, dual stainless sink, and reverse osmosis system under the kitchen sink. The adjacent dinette overlooks the golf course and opens to the lanai, ideal for everyday living and entertaining. The spacious living area offers soaring ceilings, plantation shutters, remote-controlled blinds, tile flooring, surround sound, and expansive golf course views, with sliding doors leading to the lanai. Both lanais are climate-controlled for year-round enjoyment. The primary suite is a relaxing retreat featuring a remodeled en-suite bathroom with dual sinks, a large walk-in shower with dual shower heads, two walk-in closets, a tray ceiling, and handicap-accessible features. A private guest suite and a den with upgraded stained-glass French doors—ideal as a home office or additional bedroom—complete the main level. All bathrooms feature granite countertops. A standout feature is the private second-floor suite with a full bathroom, walk-in closet, chair lift, and its own lanai overlooking the golf course—perfect for extended guests, caregivers, or flexible use as a media room, hobby space, or fitness area. Additional highlights include abundant storage throughout, including space under the staircase, a laundry room with sink and storage, and a two-car garage with Gladiator steel cabinets. The home is equipped with an automatic natural gas whole-house generator and hurricane impact windows for added peace of mind. Curb appeal is enhanced by a brick paver driveway and walkway, decorative concrete landscape curbing, mature landscaping, a newer irrigation system, and a lighted flagpole. Sun City Center is a premier golf cart–friendly active retirement community offering an unmatched lifestyle filled with amenities, activities, and convenience. Residents enjoy multiple golf courses, indoor and outdoor swimming pools, fitness centers, walking and biking paths, and an impressive variety of clubs and social activities including pickleball, tennis, softball, arts and crafts, and more. Ideally located just off Interstate 75, Sun City Center sits perfectly between Tampa and Sarasota, providing easy access to world-class beaches, shopping, dining, professional sporting events, cultural attractions, and major medical facilities. Several international airports, cruise ports, and popular Florida attractions are all within an easy drive, making travel and entertainment effortless. With year-round sunshine, endless recreational opportunities, and a vibrant social atmosphere, Sun City Center offers the ideal blend of active living, convenience, and Florida lifestyle.
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.
