Sign in to see required down payment for the 2.875% rate
5278 Morning Mist Ln, Alexandria, VA 22312
3 beds · 4 baths · 2,220 sqft
Stylish, spacious, and move-in ready, this 3-bedroom townhome offers over 2,200 square feet of beautifully finished living space and a generous 2-car garage. Thoughtfully designed with comfort and elegance in mind, the home features soaring 13-foot ceilings, floor-to-ceiling windows, crown molding, and rich hardwood floors throughout. The main level showcases a bright, open layout with a sunroom and access to a spacious wraparound deck—perfect for entertaining or quiet moments outdoors. The kitchen is both functional and inviting, complete with granite countertops, stainless steel appliances, a charming bay window dining nook, and ample space to gather. Upstairs, the expansive primary suite is a true retreat, complete with a sitting area, walk-in closet, and a beautifully renovated en-suite bath featuring a soaking tub, separate shower, and dual vanities. The secondary bedroom also boasts a newly updated closet, adding thoughtful storage and function. The additional bedrooms offer flexibility for guests, a home office, or both, while a centrally located laundry area enhances everyday convenience. The finished walkout lower level adds even more versatility with a cozy fireplace, custom built-ins, a half bath, and a bonus area ideal for a home office, gym, or reading nook—plus direct access to a private, fenced patio and the attached garage. Tucked into the tranquil, tree-lined Overlook community, you’ll enjoy the peace of nature and the convenience of being just minutes from I-395, I-495, and I-95. It’s the perfect blend of serene and central—ideal for commuting, relaxing, or both. This is a rare opportunity to enjoy peaceful living with unmatched connectivity in one of Alexandria’s most desirable neighborhoods.
Source: BRIGHT #VAFX2243818
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #VAFX2243818
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.
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.
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.
No credit check. Takes 2 minutes.