$25K PRICE DROP. Priced to sell! Welcome to 4712 Doyle Drive in Kissimmee, Florida—an immaculate, move-in-ready home that blends thoughtful upgrades with modern comfort. Built in 2014 by Maronda Homes, this 3-bedroom, 2-bath residence features soaring 9-foot ceilings and luxury vinyl plank flooring installed in 2023, offering a warm and inviting atmosphere throughout the open-concept layout. The heart of the home is a spacious kitchen with granite countertops, rich wood cabinetry, and an island that opens seamlessly into the dining and living areas—perfect for both entertaining and everyday living. Canned lighting and a Klipsch surround sound system enhance the ambiance, while an induction cooktop (installed in 2022) and stainless steel appliances, including a built-in microwave (2025), elevate the cooking experience. The oversized primary suite features a tray ceiling, large walk-in closet with organizer, and a beautifully appointed en-suite bathroom with dual vanities. French doors lead to a versatile office space that could also be used as a den or fourth bedroom. Ceiling fans are installed in every room for added comfort. Step outside to enjoy Florida living on the L-shaped screened lanai (18'x20') or grill on the adjacent paver patio. Did I mention the hot tub on the lanai! The fully fenced backyard includes a 10'x12' shed added in 2024, a 10'x10' concrete pad with a 2024 extension, and landscape curbing for low-maintenance care. The home’s curb appeal is elevated by stone façade (2023), a screened and tiled front entry (2022), and a paver driveway and sidewalk (2025, 2018). Additional highlights include a new roof (2025), garbage disposal (2025), electric vehicle charger (2025), whole-home water softener and purification system, and irrigation in the front and backyard. The 3-car garage also includes a keypad entry for the double bay. This stunning home is located in a peaceful community with easy access to shopping, dining, and major highways. Don’t miss the opportunity to make this beautifully maintained property your own.
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.
