Welcome to a rare opportunity to own a beautifully maintenance-free townhome in a gated community, offering the perfect blend of elegance, comfort, and convenience. This 3-bedroom, 2.5-bath residence with a 2-car garage is truly move-in ready, thoughtfully designed for both everyday living and upscale entertaining—complete with a serene pond view enjoyed from your extended patio, creating a peaceful and private outdoor retreat. Step inside to a bright, open-concept layout showcasing tile flooring throughout, custom plantation shutters, and refined finishes at every turn. The chef’s kitchen is the heart of the home, featuring upgraded granite countertops, a striking marble backsplash, stainless steel appliances, abundant cabinetry, a walk-in pantry, and an open breakfast bar perfect for casual dining and entertaining. The adjacent dining area comfortably seats six, making it ideal for gatherings and family dinners. The downstairs primary suite offers a private sanctuary, complete with a spa-inspired en-suite bath showcasing dual vanities, solid surface countertops, a walk-in shower, and a luxurious garden tub. A generous walk-in closet completes this elegant retreat. Additional highlights include an inside laundry room for everyday convenience and seamless functionality. Upstairs, you’ll find a versatile built-in office space with a custom counter—perfect for remote work, studying, or creative pursuits—along with well-appointed secondary bedrooms and baths that maintain the home’s elevated design and comfort. From the tranquil pond-view patio to the gated, maintenance-free lifestyle, this home delivers both beauty and ease—allowing you to enjoy luxury living without the hassle. This property is conveniently situated within minutes of USF, Moffitt, VA, Pepin Heart Institute, Florida Hospital, Busch Gardens, MOSI, as well as numerous dining and shopping options. It offers quick access to both I-75 and I-275. Residents can enjoy a variety of nearby parks and walking trails located just outside the gated community. Monthly maintenance covers all exterior building upkeep and reserves, common area maintenance, lawn care, and private pool access.
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.
