Welcome to 5439 Bantry Ct, a beautifully maintained home in the desirable Spriggs Run Estates community of Woodbridge, VA. Offering 5 bedrooms, 4.5 baths, and a fully finished basement, this spacious home delivers comfort, function, and a peaceful setting directly across from the community pond. From the moment you arrive, the home makes a memorable first impression with classic curb appeal, an inviting front elevation, manicured lawn, and generous driveway. Eligible buyers may have the opportunity to assume the seller’s VA loan through Navy Federal Credit Union at a 2.50% interest rate, with an approximate balance of $458,797.69 as of May 19. Assumption subject to lender approval and applicable VA/NFCU requirements. Inside, you will find a bright and spacious layout designed for everyday living, new carpet throughout the house, entertaining, and relaxing with ease. The main level features comfortable gathering spaces, elegant trim details, large windows, and a warm family room with a fireplace. The kitchen is both functional and inviting, offering abundant cabinetry, granite countertops, gas cooking, a center island, a wall oven with built-in microwave above, and plenty of room to gather. The open connection between the kitchen, breakfast area, and family room creates the kind of layout buyers love, because everyone knows the kitchen is where the real conversations happen. The outdoor living space is another standout feature. Enjoy a beautiful patio and backyard area perfect for outdoor dining, grilling, hosting friends, or enjoying quiet morning coffee. The rear basement entrance adds convenience and flexibility, while the fully finished walkout lower level provides additional space for recreation, guests, work, hobbies, or everyday living needs. Located directly across from the community pond, this home offers a peaceful view and a sense of privacy that is hard to find. 5439 Bantry Ct delivers the perfect combination of location, lifestyle, space, and comfort. Located just minutes from Potomac Mills, and I-95, Express bus to the city with VRE option to downtown DC and the Pentagon, this home offers quick access to Marine Corps Base Quantico, and Ft. Belvoir. Coming soon and worth the wait. This is the kind of home that feels welcoming the moment you pull into the driveway!
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.
