Welcome to the beautiful Resort-Style Golf Community of Royal Highlands, where every day feels like a vacation. This charming and inviting 2-bedroom, 2-bath home is the perfect retreat, whether you're searching for a seasonal getaway or the forever home you've been dreaming about. From the moment you arrive, you'll be captivated by the warm and welcoming atmosphere. The side-entry design leads you into a bright and comfortable living room, where sliding glass doors open to a cozy lanai and an expansive screened patio—an ideal place to relax with your morning coffee, enjoy peaceful evenings, or host family and friends for weekend barbecues. With no rear neighbors and a beautiful conservation area behind the home, you'll love the privacy, tranquility, and natural beauty that surround you. The open floor plan is enhanced by gorgeous gray tile flooring that flows through the main living areas and into the spacious dining room, perfect for gathering with family and friends. The beautifully updated kitchen is truly the heart of the home, featuring newer cabinetry, solid-surface countertops, a stylish backsplash, a large double sink, stainless steel appliances, abundant counter space, and an incredible walk-in pantry offering storage galore. The spacious primary suite provides a peaceful place to unwind, complete with attractive laminate flooring, a generous walk-in closet, and a private bath featuring dual sinks and a large tiled walk-in shower. The versatile second bedroom can easily serve as a comfortable guest room, home office, hobby room, or creative space to fit your lifestyle. This well-maintained home also offers valuable updates for added peace of mind, including a new roof installed in April 2026, a high-efficiency 2.5-ton AC system installed in 2021, and a hot water heater installed in 2024. Life in Royal Highlands is all about enjoying an active, social, and carefree lifestyle. Residents enjoy an 18-hole championship golf course, pro shop, restaurant and bar, tennis courts, bocce ball courts, indoor and outdoor swimming pools, a beautiful clubhouse, an additional social hall for events and entertainment, and even complimentary RV storage. The HOA fee includes cable and internet, making life even more convenient. There is truly something for everyone with an incredible variety of clubs and activities, including ballroom dancing, crafting, knitting, gardening, travel groups, pickleball, softball, bocce, water aerobics, veterans' groups, social clubs, Bible studies, and much more. Nature lovers will appreciate the scenic walks throughout the community, where beautiful wildlife can often be spotted. If you've been searching for a cozy, delightful home in a vibrant community filled with amenities, friendships, and endless opportunities for fun, this wonderful home is ready to welcome you. Come experience the Royal Highlands lifestyle and discover why so many are proud to call it 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.
