With seasonal views of the Delaware River, this turnkey home is beautifully positioned outside of the flood zone, offering rare peace of mind in this coveted riverside setting. It features three-bedrooms, two and a half baths and more than 2,000 square feet of refined living space, making it an ideal weekend getaway or full-time residence. Renovated from top to bottom beginning in 2016 with numerous upgrades, including: a newer septic system and roof, newer HVAC, a newer hot water heater, new landscaping and spacious stone patio framed with natural boulders, a Redwood cold plunge and barrel sauna, a new storage shed, new fencing, and more. The gourmet kitchen features upgraded stainless-steel appliances, a farmhouse sink, and a professional-grade gas range. A spacious dining room with a wood-burning fireplace, an elegant living room with gas fireplace, a powder room and a large coat closet round out the first floor. Upstairs, two spacious bedrooms share a hall bath with a clawfoot tub and a walk-in shower, and on the third floor is another bedroom with its own full bath and walk-in shower. A standout feature is the newly insulated and climate-controlled detached garage—an adaptable space ideal for a home gym, workshop, studio, or office. The outdoor spaces are equally impressive. The newly built stone entertainment patio is framed by mature landscaping and natural boulders, creating a private, peaceful environment, and the outdoor cold-plunge tub and sauna add a unique wellness element. Located just steps from the Delaware Canal towpath and the Delaware River, there’s also unparalleled access to outdoor recreation and scenery. With favorite restaurants, cafes, and shops within easy walking distance, you can enjoy riverside dining or a morning coffee without ever needing a car. Whether you seek a tranquil weekend retreat or a comfortable everyday home, 4934 River Road provides a refined river-town lifestyle — one where natural beauty and modern convenience exist in perfect harmony, and the best of Bucks County is yours to explore. NOTE: For buyers who are veterans and qualify for a VA loan, there is an assumable mortgage with a 2.625% interest rate! Seller requests highest and best offers to be submitted no later than Monday, December 15th, at 5:00 PM.
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.
