Storybook Charm Meets Lake Murray Lifestyle + Pool + Walkout Basement!Welcome to 454 Clearview Dr a truly enchanting home that feels like a Victorian dollhouse brought to life, gracefully positioned on a quiet cul-de-sac in the heart of Irmo. From the moment you arrive, the home’s timeless character and picturesque curb appeal set it apart—enhanced by a brand new roof with architectural shingles, bringing both beauty and peace of mind. Inside you’ll find a thoughtfully designed floor plan filled with natural light, elegant living spaces, and seamless flow for both everyday living and refined entertaining. The main living space is warm and inviting, centered around a cozy gas fireplace, while the kitchen features generous cabinetry and workspace and opens effortlessly to the dining area. The primary suite serves as a true retreat, complete with an en-suite bath and its own gas fireplace, creating a luxurious and relaxing atmosphere. Additional bedrooms provide flexibility for guests, family, or a home office. The home also has the potential for 4–5 bedrooms, with two additional rooms that could function as bedrooms but do not currently have closets. The fully finished walkout lower level expands the home’s livability ideal for a media room, guest quarters, or a sophisticated second living space.Step outside to your own private backyard retreat, featuring a beautiful pool, perfect for relaxing, entertaining, and enjoying those warm South Carolina days. Beyond the home, the lifestyle continues with exceptional neighborhood amenities, including direct access to Lake Murray with a private boat ramp, boat storage, and tennis courts—providing a rare blend of charm and recreation. Located in the highly sought-after Lex/Rich 5 school district, this home is just minutes from premier shopping and dining along Harbison Boulevard, with convenient access to I-26 for an easy commute to downtown Columbia.With its storybook elegance, valuable recent updates, and resort-style features, 454 Clearview Dr presents a truly one-of-a-kind living experience. Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.
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.
