Welcome to this beautiful brick exterior, three-level home in the popular Cardinal Forest community of West Springfield. This home is move in ready and combines comfort, thoughtful updates, and great privacy with a wooded backdrop. Easy access to shops, schools, and commuter routes. The main level features an open layout with a spacious living and dining area highlighted by a large picture window overlooking trees. The kitchen has plenty of cabinet space, stainless steel appliances, and an easy flow for cooking or entertaining. With new light fixtures and lots of natural sunlight, the main level feels bright and welcoming. Upstairs are two large bedrooms with ceiling fans, generous closets, and a full bath with shower/tub combo and stylish tile work. The finished lower level has overhead lighting and offers flexible space for a family room, home office, or rec area, along with a walk-out to the private fenced backyard. There is also an updated powder room with parquet floors and a separate laundry area with extra storage. Outside, enjoy a fully fenced yard perfect for outdoor dining, grilling, or simply relaxing among mature trees. The wooded setting behind the home adds privacy that’s hard to find in townhouse living. Recent updates include a new water heater (2024), updated lighting, and a refreshed lower-level half bath. The Cardinal Forest Condo Association covers gas, water, trash, snow removal, gutter cleaning, and access to the community pool. This home sits in one of Fairfax County’s most sought-after school pyramids and is zoned for Cardinal Forest Elementary, Irving Middle, and West Springfield High School, all within a 5 minute drive! Excellent location just outside the Beltway and convenient access to major roads including Fairfax County Parkway, 395/495/95. Close to Metro bus stops, Franconia-Springfield Metro station, commuter lots, and the Springfield/Burke VRE stations. Also nearby are George Mason University, Ft. Belvoir, Lake Accotink Park, Burke Lake Park, Huntsman Lake, South Run Rec Center, Springfield Golf and Country Club, Cardinal Forest Plaza, Springfield Town Center, Springfield Plaza, and plenty of restaurants. Short distance to DC, the Pentagon, Reagan National Airport, Alexandria, Arlington, Tysons Corner, and more. Very walkable and beautiful community with nearby bike trails and walking paths. This one will not last, make your appointment today! Some photos are virtually staged. NOTE: HOA will be $753 starting 1/1/26
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.
