Welcome to 4542 Kinmount Road — a beautifully maintained home that truly reflects pride of ownership. From the moment you arrive, you’ll notice the lovingly kept landscaping and classic curb appeal that hint at the care throughout this home. Relax on the charming front porch — an inviting space perfect for quiet mornings, evening conversations, or simply enjoying a peaceful moment before stepping inside. Once through the main entrance, you’re greeted by a bright and airy interior that flows effortlessly. The heart of the home is the spacious kitchen, anchored by exposed brick accents and stainless steel appliances, with a sunny breakfast area that invites casual meals and lively conversation. Every detail here — and throughout the main level — speaks to meticulous upkeep and timeless comfort. The main level also offers three well-appointed bedrooms and two pristine full bathrooms, each in excellent condition and thoughtfully maintained. Downstairs, the finished lower level opens to a world of possibilities. A generous recreation area awaits — perfect for gatherings, hobbies, or creating a custom entertainment space. The lower-level bedroom is currently used as an additional primary suite and is complemented by a convenient half bathroom. There’s also a dedicated office/den — an ideal work-from-home retreat — and a separate exterior entrance, offering flexibility for guests, multigenerational living, or potential rental use. Step outside to the flat, fully fenced backyard — a wonderful place for outdoor enjoyment, gardening, play, or relaxing under the open sky. A large new shed offers abundant storage for tools, equipment, and outdoor gear, keeping everything organized and out of sight. And beyond your private oasis, this home enjoys the very best of Lanham living. Residents benefit from easy commuter access via Route 50, I-495/The Capital Beltway, and nearby transit options — helping simplify daily travel to Washington, D.C., and surrounding employment hubs. Lanham offers a strong sense of community with nearby parks, recreation, and local conveniences, while still being close to shopping, dining, and services in Prince George’s County. 4542 Kinmount Road isn’t just a house — it’s a lovingly maintained home with spaces for work, play, rest, and every moment in between.
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.
