Welcome home to 5944 Agostino Drive a beautifully maintained one-story home in Siena master-planned community in Round Rock, TX 78665. Built in 2019, this 3-bedroom, 2-bathroom home offers 1,732 square feet of thoughtfully designed living space with an open floor plan that feels both spacious and warm the moment you walk in. Rich hardwood flooring flows throughout the main living areas, while hard tile in the laundry room and both full bathrooms adds durability where you need it most. The kitchen is a true centerpiece featuring granite countertops, ample cabinet space, and a layout that opens seamlessly to the living area, making it perfect for entertaining or everyday family life. Natural light pours through the home's well-positioned windows, creating a bright, airy feel throughout. One of this home's standout features is the privacy of no rear neighbors — a rare find that gives the backyard a peaceful, open feel you'll appreciate every single day. Located in Siena, one of the most popular master-planned communities in the Greater Austin–Round Rock area, residents enjoy resort-style amenities including a swimming pool, basketball court, soccer field, walking and biking trails, two parks, and a full community event calendar. You're just minutes from Old Settlers Park (645 acres of trails, sports fields, and disc golf), Dell Diamond (home of the Round Rock Express), Round Rock Premium Outlets, and a wide variety of dining and shopping along Highway 79 and IH-35. Zoned to Hutto Independent School District, with Veterans Hill Elementary School, Hutto Middle School, and Hutto High School all nearby. Conveniently located just 2.3 miles from TX-130 and approximately 30 minutes from downtown Austin.
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.
