Beautiful Southern Traditional Home boasting extensive porches, large living spaces and a wonderful, mature lot! Rocking Chair Front Porch, Rear Sunroom, Raised Rear Deck & Pergola Covered Paver Patio are just the beginning. Hard wood floors flow through the foyer & large formal room/study. Spacious family room with gas fireplace opens to the sunroom which is sure to be your new favorite room! Big kitchen & breakfast nook with bay window. Too much to list! King sized primary suite with deep jetted tub & separate shower plus his & her vanities. All bedrooms are large. Bonus Room/4th BR has charming alcove & closet. 2nd Floor Laundry. The refrigerator, washer & dryer are included with the home! Workshop located in garage, fenced yard, don't miss this one! Dorchester District II Schools!Roof installed in 2025 HVAC installed in approx 2021 Screened porch converted to Sunroom in approx 2016 Composite Deck added in approx 2016 Home and fence pressure washed in January 2026 Over the past few years the sellers have updated the range, dishwasher, refrigerator, washer & dryer. Sunroom does not have central heat & air vents. Sellers opened the French Doors and found that kept this space very comfortable. Hardwood Flooring in foyer & formal room/study. Ceramic Tile Flooring in Kitchen, Nook, Sunroom, 1/2 Bath, Full Hall Bath. Plush carpeting in Family Room, Staircase, 2nd Floor Hallway, All Bedrooms & Bonus Room. New Light Fixtures Installed in Foyer, Formal Room/Study, Kitchen, Breakfast Nook, 2nd Floor Hallway, Primary Bedroom Closet. Large Attached Garage features 2 Separate Bay Doors with Openers, Workshop Area with "L" Shaped Workbench, Pegboard & Shelving, 3 Fluorescent Lights, Ceiling Fan, Finished Walls & Rear Service Door. Additional storage was installed with an upper loft storage area for great organization. Beautiful Landscaping in place with hardwood trees, palm trees, sago palms and more! Note: The 171 square foot sunroom is included in the total square footage. The professional that measured the home felt the space should be included because of the following rule: "An enclosed area in a house that is suitable for year-round use based on its geographic region, embodying walls, floors, and ceilings that are similar to the rest of the house." Crawlspace foundation, moisture barrier installed, termite bond in place. Indigo Fields is conveniently located near shopping, restaurants, schools, churches and major employers (Joint Base Charleston, Boeing, Bosch, Mercedes and more).
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.
