Located in Goose Creek, South Carolina, just minutes from the Naval Weapons Station, 602 Zinnia Drive offers the kind of convenience and relaxed neighborhood lifestyle many buyers are looking for in the Charleston area. With easy access to Park Circle, Downtown Charleston, and Summerville, this location makes commuting, dining, and entertainment simple.Just a short drive away, Park Circle has become one of the Lowcountry's most popular destinations for restaurants, breweries, parks, and nightlife, and it is home to the world's largest inclusive playground, designed so people of all abilities can play together.Within the neighborhood, residents enjoy sidewalk-lined streets and an amenity center featuring a pool, gym, and playground, creating a welcoming community environment. Inside the home, you'll find three bedrooms and two bathrooms with a layout designed for everyday comfort. The open kitchen with gas range connects naturally to the main living space, and in-wall ethernet ports provide convenient connectivity for work or entertainment. One of the most enjoyed spaces in the home is the large screened-in porch, perfect for morning coffee or relaxing in the evening. The fenced backyard offers additional outdoor space for entertaining, gardening, or simply enjoying the privacy of your own yard. The spacious primary suite provides a comfortable retreat, and several practical updates have already been completed. A dishwasher was replaced in 2022, and rear gutters were installed in 2025. The roof, HVAC system, and water heater are approximately nine years old. With its proximity to the Naval Weapons Station, Park Circle, Charleston, and Summerville, along with neighborhood amenities and outdoor living spaces, 602 Zinnia Drive offers a lifestyle that combines convenience, comfort, and connection to everything the Charleston area has to offer.
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.
