The best homes don't just check the boxes. They make you feel at home the moment you walk through the front door. Built by Ashley Homes in 2021 and set on a corner lot in Wards Creek, this 4-bedroom, 2.5-bath pool home brings together newer construction, thoughtful updates and the easy Florida lifestyle buyers are looking for in the World Golf Village area. Inside, abundant natural light fills the home, highlighting fresh interior paint, brand-new carpet upstairs, smooth-finish walls, rounded corners and quality craftsmanship and thoughtful architectural details throughout. Ten-foot ceilings on the main level, nine-foot ceilings upstairs, and a soaring two-story living room with custom built-ins create an open, airy feel that's both impressive and inviting. The kitchen opens naturally to the main living and dining spaces, making it just as functional for everyday living as it is for entertaining. All four bedrooms are upstairs, including a spacious primary suite with a large bath, dual closets and plenty of natural light. Out back, the private pool and screened lanai create the kind of outdoor space that makes Florida living feel effortless, complete with an outdoor shower for a quick rinse before or after a swim. With the solar panels being paid off by the seller at closing, the next owner will enjoy the benefits of improved energy efficiency without the added expense of a solar loan or lease payment. Wards Creek offers a small-community feel with larger homesites, no CDD fees and amenities including a community pool, covered pavilion, fire pit patio, tennis and pickleball courts, playground, and optional boat/RV storage (for a nominal additional charge). Zoned for Mill Creek Academy (K-8) and Tocoi Creek High School, this home is just minutes from shopping, restaurants, golf, Historic Downtown St. Augustine and offers easy access to I-95. Everyday conveniences like Publix, Costco, Buc-ee's, and a new Walmart (currently under construction) are all just a short drive away, making this location as practical as it is desirable.
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.
Data provided is deemed reliable but is not guaranteed. The data relating to real estate for sale on this website comes in part from the Northeast Florida Multiple Listing Service, Inc. The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. Copyright © 2026 Northeast Florida Multiple Listing Service, Inc. All Rights Reserved.
