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4469 Vermillion Dunes Ln, Melbourne, FL 32904
4 beds · 2 baths · 1,828 sqft
Tucked in a friendly, vibrant neighborhood with a playground, dog park, and charming gazebo, this 4-bedroom, 2-bath home offers 1,828 square feet of warm, welcoming space perfect for both everyday living and effortless entertaining. The open floorplan connects spacious kitchen, dining, and living areas that naturally bring people together—whether it's weekday dinners or spontaneous game nights with friends. Thoughtfully designed for hosting, the home invites gatherings to flow easily from the indoors to a large fenced backyard featuring a covered lanai and extended paver patio—ideal for celebrations, cookouts, or quiet evenings under the stars. Families will love the nearby top-rated schools and everyday conveniences just minutes away, making life as practical as it is enjoyable. Whether you're settling in for cozy nights or planning your next backyard bash, this home has the comfort, connection, and community you've been looking for.
Source: BREVARDMLS #1048127
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: BREVARDMLS #1048127
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.
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.
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.
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