Located in the highly sought-after Fishhawk West community of Lithia, this impressive WestBay Key Largo floor plan offers over 3,100 square feet of thoughtfully designed living space, combining comfort, functionality, and elevated finishes throughout. With 4 bedrooms, 3 full bathrooms, a dedicated office, bonus room, formal dining room, and a 3-car garage, this home provides the space and versatility to fit a variety of lifestyles. A welcoming front patio creates an inviting first impression and is the perfect shady spot for watching pick up soccer matches in the community green space. Step inside to discover an open-concept great room that seamlessly blends the living room, kitchen, and dinette area—perfect for both everyday living and entertaining. The living room features a striking decorative accent wall, surround sound speakers, and sliding glass doors enhanced by thermal window film and electric privacy shades, creating a comfortable and inviting atmosphere. Crown molding throughout the home adds a refined touch, while wood-look ceramic tile flows through the main living areas, complemented by carpet in the bedrooms. Plantation shutters add charm and privacy in the dining room, office, and primary suite. The spacious kitchen is designed with both style and practicality in mind, featuring a large island with additional storage, soft-close drawers, roll-out shelving in lower cabinets, and a full stainless steel appliance package including a built-in convection oven, microwave, gas cooktop, refrigerator, and dishwasher. Just off the main living space, the formal dining room provides a dedicated area for gatherings, while the private office behind glass French doors offers an ideal workspace. The split bedroom layout enhances privacy, with the primary suite positioned on one side of the home. This relaxing retreat includes a pristine en-suite bathroom with a dual sink vanity, a garden tub, walk-in shower, private water closet, and his and hers walk-in closets complete with a built-in organizer. Bedrooms two and three are located on the opposite side of the home and share a full, dual sink vanity bathroom, while the fourth bedroom is situated toward the rear of the home near a third full bathroom—ideal for guests. A large bonus room at the back of the home offers flexible space for a media room, playroom, or additional living area. Step outside to a backyard designed for year-round enjoyment. The screened-in lanai features a stunning gas-heated pool and spa with infinity edge and sun shelf, all surrounded by a Travertine tile deck and a low-maintenance playground turf pad. The outdoor kitchen is equipped with a 42 inch grill, sink, and refrigerator, while a gas fireplace and built-in surround sound speakers create the perfect setting for relaxing or entertaining. With no rear neighbors, you’ll enjoy added privacy and peaceful views. Additional highlights include under-mount soffit outlets for holiday lighting on both the front and rear of the home, gutters, and numerous recent updates: A/C replaced in 2024, water softener replaced in 2024, refrigerator and dishwasher updated in 2024, pool equipment updated between 2022–2025, new carpet with upgraded padding in 2022, exterior repaint in 2020, and sealed pavers on both the front patio and rear lanai in 2024. This exceptional home offers the perfect blend of indoor comfort and outdoor living in one of the area’s most desirable communities.
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.
