Welcome to 6025 SW 128th Street Road in Ocala, Florida—a home that combines privacy, smart updates, and a location that makes everyday living simple. Tucked into Southwest Ocala, this property offers convenient access to I-75, shopping, dining, and medical facilities while still giving you a quieter residential setting to come home to. One of the standout features here is the backyard—this home backs directly to the Florida Greenway, meaning no rear neighbors and a natural, peaceful backdrop that’s hard to find. Whether you enjoy morning walks, biking, or just relaxing with a view that isn’t another house, this is a major advantage. Inside, you’ll find tile flooring throughout the entire home, creating a clean, cohesive look while also keeping maintenance easy—no carpet to worry about. It’s a practical upgrade that buyers consistently look for, especially for households with pets or busy lifestyles. The layout is designed for real life, with comfortable living spaces that flow naturally and give you flexibility for both everyday routines and entertaining. The kitchen is positioned to stay connected to the main living areas, offering plenty of cabinetry and workspace for cooking, hosting, or just keeping things running smoothly. The bedrooms are arranged to provide both privacy and comfort, with a primary suite that offers a quiet place to unwind at the end of the day. Additional rooms can easily adapt to your needs—whether that’s guest space, a home office, or extra storage. Big-ticket updates matter—and this home delivers with a brand new roof installed in 2025, giving buyers peace of mind and helping eliminate one of the most common concerns when purchasing a home. Step outside and you’ll appreciate the added outdoor space with direct Greenway backing, perfect for enjoying Florida living with a little more breathing room. This home is a strong match for buyers searching for: Homes backing to the Florida Greenway in Ocala Properties with no rear neighbors Homes with tile flooring throughout (no carpet) Homes with a new roof (2025) Southwest Ocala homes near I-75, shopping, and dining Low-maintenance primary homes or investment opportunities If you’ve been looking for a home that offers privacy, practical upgrades, and a location that keeps you connected—this one checks the boxes.
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.
