This is no cookie-cutter home—it’s full of character, charm, and individuality. Perfectly situated on 1.18 private acres in a desirable non-HOA community, this property offers a rare combination of peaceful living and everyday convenience. Tucked away in a quiet, serene setting, you’ll be amazed that you’re just minutes from shopping, top-rated schools, and major commuter routes. The current owners have thoughtfully prepared the home for market with numerous updates. The roof was replaced in 2018, along with the siding and gutters, providing peace of mind for years to come. Inside, you’ll find fresh custom paint throughout, creating a bright and welcoming atmosphere. The main level and basement feature new luxury vinyl plank flooring (2024), while the upper-level bedrooms are finished with brand-new carpet. The main level offers generously sized rooms that flow seamlessly around a sun-filled kitchen, which overlooks the expansive, flat backyard—perfect for relaxing, entertaining, or enjoying nature in your own private retreat. The kitchen was updated with new cabinets and countertops in (2024)Upstairs, the spacious bedrooms continue the theme of comfort and functionality, complemented by 2 remodeled bathrooms and additional storage closets. The walk-up basement provides exceptional flexibility with abundant space for recreation, hobbies, or future expansion. A dedicated work area and ample storage make it ideal for hobbyists or those needing extra room to spread out. The garage is oversized and there is also a detached shed out back! Additional features include replaced windows (date unknown), a 2009 HVAC system with a more recently replaced condenser, a water treatment system for softened water, and an 80-gallon leased propane tank serviced by Suburban. Location truly sets this home apart. Enjoy the feeling of being miles away from the hustle and bustle while remaining incredibly close to everything Northern Virginia has to offer. With easy access to Route 66 and I95 via 234, commuter lots, the VRE, and major destinations such as Quantico, Fort Belvoir, and the Pentagon, this home is a commuter’s dream. A rare opportunity to own a private, well-maintained, and uniquely charming home in an unbeatable location—don’t miss it!
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.
