Where Minimal Traditional architecture meets Florida Vernacular design! This charming cottage blends nostalgic character with modern comfort. The Minimal Traditional style reflects the post-war era’s focus on simple, efficient living — compact, practical, and timeless — while Florida Vernacular adds the weather-wise sensibility that makes homes across the Sunshine State so enduring. Together, they create a home that’s sturdy, sensible, and refreshingly uncomplicated. </p><br >Completely renovated prior to the sellers’ 2020 purchase, the home features a new metal roof, new windows, new A/C system, luxury vinyl flooring, new carpet, granite countertops, and new kitchen appliances — bringing modern efficiency to classic design. In 2024, solar energy panels were added, enhancing energy efficiency and reducing utility costs — a smart addition that complements the home’s climate-conscious design. A gently sloped entry ramp leads to the front door, while a wheelchair lift at the rear entry provides convenient access from the kitchen to the covered carport. Wider interior doorways make movement throughout the home smooth and easy. </p><br >Inside, the bright, inviting layout includes a spacious living area and an updated eat-in kitchen with white shaker-style cabinetry, granite countertops, and contemporary fixtures. The two bedrooms share a renovated Jack-and-Jill bath with entries from both the kitchen and the primary bedroom. The bath includes an updated vanity and a walk-in shower (no tub), offering a smart and functional layout for everyday living. </p><br >Additional features include a covered one-car carport, a detached storage shed, and a convenient laundry room with covered access through the carport — keeping household chores dry and easy, rain or shine. The sale also includes a washer/dryer combo, lawnmower, and a water purification system, adding even more everyday value and convenience. The corner lot adds a sense of openness and provides ample outdoor space for gardening, recreation, or future expansion. Durable materials, thoughtful updates, and modern energy efficiency promise years of low-maintenance ownership and peace of mind. </p><br >This charming Zephyrhills home combines space, comfort, and location. Just minutes away, you’ll find Hercules Park, Zephyr Park with its popular Waterplay splash pad, the Zephyrhills Library, Krusen Skate Park, and a variety of other recreational amenities. Schools, shopping, a theater, a bowling alley, and dining options are all conveniently nearby — making this home as practical as it is appealing. </p><br >Simple, sturdy, and built for the Florida lifestyle — this is Minimal Traditional with Florida Vernacular charm at its best: updated, efficient, and full of character. Don’t miss the chance to make this charming Zephyrhills home your own — schedule your private showing today!
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.
