Nestled in a quiet cul-de-sac, spanning an impressive .29 acres, this stunning 5-bedroom, 3-bathroom two-story home flaunts thoughtful upgrades, modern finishes, and outdoor living that truly sets it apart. The stone-accented façade, covered front porch, and manicured landscaping make a lasting first impression. Warm wood-look flooring flows through the main level, anchoring an open and airy layout built for both everyday comfort and effortless entertaining. The kitchen features dark cabinetry, granite countertops, stainless steel appliances, and a large center island with a breakfast bar that come together in a space that's as functional as it is beautiful. A stylish cage-style pendant light adds just the right finishing touch, and a sliding glass door off the dining area seamlessly connects the indoors to your incredible backyard. Upstairs, the primary suite is nothing short of a retreat — spacious enough for a full sitting area, featuring a massive walk-in closet, ceiling fan, and windows that flood the room with natural light. The entire upper level carpet and stairs were professionally cleaned, and brand new carpet was installed on the main level in May 2026, making this home truly move-in ready from top to bottom. All hardware was replaced in 2025 and lighting updated in 2024, giving the home a fresh, cohesive feel in every room. One of the largest lots in the neighborhood, the outdoor space was thoughtfully developed over several years into something truly special. An expansive concrete patio wraps around the entire rear of the home, creating multiple zones for lounging, dining, and gathering. A pergola added in Spring 2023 provides the perfect shaded escape. The lush landscaping is backed by a professionally installed drip irrigation system added in Summer 2025, so it stays gorgeous without the hassle. Located in the sought-after Copperleaf neighborhood and within the highly regarded Cherry Creek School District, this one truly has it all.
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.
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