**ASK ABOUT CREATIVE FINANCING OPTIONS: assumable VA loan and/or temporary 1-0 rate buydown with preferred lender** Welcome to the lifestyle you’ve been dreaming of. This spacious 4-bedroom, 3-bathroom, 3-car garage home is more than a place to live—it's a place to belong, a place to relax, and a place to thrive. From the moment you arrive, the freshly painted exterior, newly mulched beds, and lush Florida-native landscaping welcome you with warmth and charm, setting the tone for everything that awaits inside. Step through the front door into the formal living and dining rooms that set the stage for holidays, celebrations, and special occasions. Feel the NATURAL LIGHT pour across the cherry LVP floors and elegant travertine tile, highlighted by HIGH CEILINGS that create an airy sense of space. PLANTATION SHUTTERS throughout add timeless elegance, privacy, and character. The thoughtfully designed 3-WAY SPLIT FLOOR PLAN offers comfort and privacy for everyone—perfect for guests, family, multigenerational living, or working from home. Upstairs, a SPACIOUS LOFT provides the ideal bonus space for a game room, play area, media space, or home office. After a long day, retreat to the private primary suite where sliders open directly to the pool, offering the perfect way to slip out for an evening swim or a quiet moment under the lanai. The luxurious en suite bathroom features an OVERSIZED SHOWER with two shower heads, dual sinks with generous counter space, a private water closet, and two walk-in closets for exceptional storage. The other three bedrooms are positioned with comfort in mind, each with easy access to bathrooms, making the home ideal for both everyday living and hosting guests. At the heart of the home, the beautifully updated kitchen is designed for everyday ease and memorable gatherings. It features 42" wood cabinets, granite countertops, stylish backsplash, a FARMHOUSE SINGLE MOUNT SINK, pull-out shelving, walk-in pantry, GAS RANGE, and an island—everything you need to cook, host, and enjoy. A breakfast bar flows naturally into the family room, creating a welcoming space for connection. Step outside to your personal Florida oasis: a screened, SALTWATER POOL resurfaced with new PEBBLESTONE FINISH, tile, lighting, and cleaner. PAID-IN-FULL SOLAR PANELS keep the pool warm year-round, while the covered lanai invites you to unwind with family or entertain friends. A convenient POOL BATH ENTRANCE helps keep the inside pristine during pool days. The FULLY FENCED BACKYARD and beautifully landscaped grounds provide privacy and space to play, garden, or relax. This home is built for peace of mind, with major improvements already in place—including a NEWER ROOF with hurricane ties, FULL HOME NATURAL GAS GENERATOR, gas water heater, water softener, and RECLAIMED IRRIGATION SYSTEM to keep your lawn thriving. And beyond the home itself, the sellers share what they’ll miss most: the unbeatable convenience of being close to everything they need and the warm, friendly neighbors who make this community feel truly special. It’s the kind of neighborhood where people wave, check in, and make you feel at home from day one. If you're searching for a home that offers comfort, elegance, connection, and a true lifestyle upgrade—this is the one. Schedule your private showing today. Homes like this, with features like these, don’t come along often.
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.
