Welcome to a home that truly has it all-space, style, and an unbeatable Batavia location. Set on nearly half an acre, this beautifully updated 3bedroom, 2bath property offers a rare blend of privacy, modern upgrades, and everyday convenience. A long driveway with a U-shaped turnaround creates effortless access and ample parking, while newly sanded and stained hardwood floors (2025) and fresh paint (2025) set a warm, move in ready tone throughout. The spacious living room impresses with a large picture window, built-in shelving, and a striking wood-burning stone fireplace, flowing seamlessly into a light-filled dining area. The completely renovated kitchen (2023) shines with quartz countertops, tall custom cabinetry, a farmhouse sink, and updated stainless steel appliances including a dishwasher (2023), refrigerator (2022), and range (2020). A vaulted family room with oversized windows opens to an extended patio and gazebo (both 2019), perfect for relaxing or entertaining. Generously sized bedrooms include a walk-in closet, and the bathrooms are thoughtfully designed with a fully updated main floor bath featuring new tile, sink, and a brand new standup shower, while the second full bathroom has been updated and features a practical shower-tub combination complimented by abundant, well-designed storage throughout. Adding everyday ease, a convenient laundry chute runs from the top floor directly to the laundry area.The lower level adds exceptional flexibility with a large, spacious room ideal for a possible additional bedroom, home office, or bonus room, opening directly into the laundry area and offering ample space and storage. Additional highlights include extensive storage, a large crawl space, a utility sink in the lower level, and three fully functioning refrigerators located in the kitchen, lower level, and garage. Major mechanical and system updates provide outstanding peace of mind, including a furnace (2019), water heater (2022), updated plumbing and piping (2023), updated electrical (2023), a whole house generator installed in 2019 and professionally maintained with the most recent service in 2026, two sump pump systems - one installed in 2022 and the second replaced in 2025, an ejector pump (2023), lighting and dimmers (2023), a roof with ice and water barrier and drip edge (2019), freshly redone driveway (2024), and professionally resealed in (2025). Ideally located minutes from downtown Batavia, within walking distance to Batavia High School and Engstrom Park-where annual fireworks light up the sky and can be enjoyed right from the driveway or the park itself-and offering easy access to scenic walking and biking trails, the Windmill City Festival, and the Randall Road corridor for shopping, dining, and daily conveniences, this exceptional home delivers comfort, reliability, and the very best of Batavia living. (Professional photos coming soon)
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.
