Sign in to see required down payment for the 2.75% rate
4476 Sunset Dr, Charlottesville, VA 22911
4 beds · 4 baths · 3,205 sqft
Welcome home to this gorgeous craftsman home in very desirable Charlottesville location. With 3 fully finished levels and over 3200 finished sq. ft. this home has abundant space to accommodate all your needs. ***SOLAR PANELS convey with the house. These will be owned and not leased. The main level features an inviting front porch into a nice foyer with hardwood floors, oak stairs with decorative iron railing, formal dining room , large family room. The gourmet kitchen features walk in pantry, stainless steel appliances, double ovens, cooktop, microwave, center island, granite counter tops and tile backsplash. There is a nice additional morning room right off the kitchen leading to fully fenced rear yard, paver patio and trex landing. The upstairs features primary bedroom with tray ceiling, walk in closet and deluxe bath with soaking tub, oversized seperate shower, vanity with double sinks, and additional walk in closet.The additional three bedrooms are large size and all have ample size closets. Upstairs laundry room with washer and dryer that convey. Secondary Bath has large linen closet and tub/shower. The fully finished lower level has large finished rec room space, additional playroom/theatre room, full bath, french door to walkup stairs to rear yard. Tons of additional storage as well available in lower level. Must see this large well appointed home. Just minutes to airport and short commute to downtown Charlottsville! Close to all major commuting routes
Source: BRIGHT #VAAB2000936
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: BRIGHT #VAAB2000936
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.
No credit check. Takes 2 minutes.