OPEN HOUSE THIS SATURDAY AND SUNDAY! Tucked inside the gated community of Calgary Downs, this nearly new home offers the perfect balance of modern comfort, peaceful surroundings, and everyday convenience. With thoughtful design, beautiful finishes, and a setting that feels both private and connected, this home creates a lifestyle that is easy to fall in love with. From the moment you arrive, the welcoming front porch invites you to slow down and enjoy the quiet charm of the neighborhood. Inside, the home opens into bright, airy living spaces where the gourmet kitchen becomes the heart of the home. With a large island, modern finishes, and open views to the living area, it is a space designed for gathering, hosting, and making everyday moments feel special. Just beyond the living space, the screened porch creates the perfect retreat. Whether it is morning coffee as the neighborhood wakes up or quiet evenings listening to the sounds of nature, this space quickly becomes a favorite place to unwind. The home's full daylight basement offers endless possibilities. It can easily become additional living space, a media room, home gym, or guest retreat while still providing plenty of storage and flexibility for the future. Outside, the gently sloping backyard provides both privacy and room to play, while the neighborhood itself offers something truly special. Just a short walk away, residents enjoy a playground, tennis courts, and green spaces where neighbors gather and children spend afternoons playing together. One of the most unique opportunities this home offers is the ability for qualified buyers to assume the current mortgage with an incredible 2.5 percent interest rate. The home can also be purchased fully furnished, making it possible to move in and immediately begin enjoying everything the home and community have to offer. Located just minutes from downtown Winder, Fort Yargo State Park, shopping, dining, and commuter routes into Athens and the greater Atlanta area, Calgary Downs offers a rare combination of peaceful neighborhood living and easy access to everything North Georgia has to offer. This is more than just a house. It is a place to settle in, build memories, and truly feel at home.
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.
