4660 Charlton Ct
Woodbridge, VA 22193
3 beds · 2 baths · 1,794 sqft
$395,000
Get prequalifiedAbout this home
DON'T MISS this beautifully refreshed 3-level, 3-bedroom townhouse featuring many recent updates: fresh paint and brand-new luxury vinyl plank flooring (2025), roof and gutters (2019), Thompson Creek windows and front door (2024), HVAC system (2024), water heater (2021), and a fully updated bathroom (2025). The main level offers a bright and functional eat-in kitchen with classic white cabinetry, perfect for casual meals or morning coffee. The spacious living area provides a comfortable setting for relaxing or entertaining. Upstairs, you’ll find three well-sized bedrooms, all filled with natural light. The hallway full bathroom has been fully upgraded, offering modern finishes and a clean, stylish design that adds a touch of luxury to your daily routine. The upper level includes a large primary bedroom and two additional guest rooms. Downstairs, the finished walk-out basement adds valuable living space and opens directly to a fenced backyard through a sliding glass door (SGD)—ideal for outdoor enjoyment, pets, or gardening. There is a rough in for future use. This home combines comfort, convenience, and style, making it a fantastic opportunity!
Source: BRIGHT #VAPW2094680
Neighborhood
FAQs
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.
Woodbridge, VA 22193
3 beds · 2 baths · 1,794 sqft