Welcome to sought-after Ashland—where community charm, thoughtful updates, and a home designed for both everyday living and effortless entertaining come together beautifully at 6006 Fincastle Drive. From the moment you arrive, you’ll feel it. Step into the dramatic two-story foyer and take in the warmth of hardwood floors that stretch across the main level. Just off the entry, a private home office offers the perfect work-from-home setup, while the sun-filled living room flows seamlessly into a spacious dining room with serene garden views—ready for holidays, dinner parties, and everything in between. And then… the heart of the home. The stunning, fully remodeled kitchen (2018) is equal parts function and style, featuring high-end granite, a full pantry wall, custom white cabinetry with soft-close, stainless steel appliances, a farmhouse sink, and a large prep island offering contrasting cabinetry—all anchored by a gas range with hood vent. It opens beautifully into the soaring two-story family room, where a gas fireplace and a secondary back staircase create both comfort and architectural interest. A crisp powder room is perfectly tucked along the way. Upstairs, you’ll find one of the most desirable bedroom layouts in the community. The primary suite is a true retreat with cathedral ceilings and a 2024 fully remodeled bathroom that absolutely steals the show—featuring an oversized, spa-inspired walk-in shower with elegant tilework, a rain shower head, additional multi-head fixture, and a dual sink quartz vanity with abundant storage, and a separate water closet. The secondary bedrooms are equally impressive: a large front bedroom with charming dormers and built-in desk and two additional spacious bedrooms sharing a well-sized hall bath designed to keep busy mornings running smoothly. The lower level offers endless potential with an expansive unfinished basement—already equipped with a full bathroom—giving you a head start on future plans and equity potential. Back upstairs, step out from the kitchen onto your expansive deck, complete with a charming swing and overlooking a beautifully manicured, fully fenced backyard. It’s the kind of outdoor space you’ll never want to leave. And the updates? Already done. Roof (2017), dual-zone HVAC (basement 2015, attic 2019), Moen Smart Main Water Shutoff (2025), new GE washer and dryer (June 2025), and an irrigation system keeping the front and side yards lush and green. Location seals the deal—Ashland Elementary is just 0.5 miles away, Forest Park High School is approximately 1 mile, and you’re moments to shopping, dining, and the natural beauty of Prince William Forest Park. The community itself offers a vibrant lifestyle with a pool complex (home to the Ashland swim team) and a rentable recreation center for your gatherings and celebrations. Zoned to Ashland Elementary, Benton Middle, and Forest Park High for peace of mind, this home truly checks every box—and then some. Home is currently enrolled in a premium home warranty with the option to transfer to buyer at closing. BONUS, this is a Project My Home Approved Listing. Qualified buyers may be eligible for a fixed interest rate as low as 4.99% through the seller’s preferred lender program. Buyer must qualify and speak directly with lender for full details, program terms, and disclosures. Rate, APR, and program availability subject to borrower qualification and may change without notice.
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.
