Perfectly positioned on a spacious corner lot in the highly sought-after Woodlands at Wescott Plantation and award-winning DD2 school district, this refreshed and thoughtfully updated home combines style, function, and everyday versatility. Step inside a light-filled interior, where engineered wood flooring flows seamlessly throughout the main living areas. The living room is anchored by a charming, tiled feature wall with a wood-burning fireplace, offering both warmth and character. The open-concept layout effortlessly connects the living area, dining space, and kitchen, making entertaining and daily living feel easy and natural. The Heart of the Home, the kitchen is both efficient and inviting--designed for cooking, gathering, and connecting. Highlights include crisp white cabinetrywith modern hardware, granite peninsula with casual seating, stainless steel appliances, tile backsplash for easy cleaning and depth, large single-bowl sink, and spacious walk-in pantry. The layout keeps the chef part of the action, while connecting directly to both the dining and living areas. The main-level primary suite is privately tucked away in its own wing, offering calm and quiet. It features: a spacious walk-in closet and a fully updated ensuite with a stunning walk-in shower, double vanities, modern fixtures, and a linen closet. Upstairs there is room for everyone. Upstairs you will find four generously sized bedrooms, each with ample closet space. The largest bedroom can serve as an upstairs primary suite, family room, home office, or playroom--you choose. Other upstairs features include: a large updated full bathroom with double vanities, a shower/tub combo, and linen storage and a dedicated laundry room for added convenience. Ceiling fans are throughout both levels to keep air flowing and energy costs down. Outdoor, just off the dining area, enjoy a screened-in porch, perfect for morning coffee, reading, or bug-free evenings. The large, fenced backyard is private and versatile--ideal for gardening, playing, or entertaining. Additional Features of the home include a striking tiled powder room with modern vanity on the main floor, convenient access to a 2-car garage from the foyer, extended driveway for guest parking and mature landscaping and a welcoming front yard. Woodlands at Wescott Plantation offers sidewalk-lined streets, a community pool & playground and an optional golf membership at the Wescott Golf Club. Convenient to Lowes, Harris Teeter, Starbucks and the new Weber Boulevard exit for easy access to I-26. Just minutes from Main Street Summerville, Mercedes Benz, Bosch, Boeing, Charleston International Airport, and downtown Charleston--with nearby shopping and dining always within reach. This home is not just move-in ready--it is smartly designed and freshly updated, with a layout that suits daily life, and spaces that grow with your needs. Comfortable room for everyone. Spaces that work. A community that welcomes. Schedule a tour today - 5090 Ballantine Dr. Your new home is waiting....
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.
