Welcome to this peaceful North Florida living in the heart of Williston! This well-maintained 1994 concrete block home offers 3 bedrooms, 2 bathrooms, and 1,773 square feet of comfortable living space, perfectly positioned on a spacious 0.59 acre oversized corner lot with a beautiful mix of mature trees, open lawn and a fully fenced back yard. One of the first things you will notice about this home is its charming architectural character, highlighted by large arched windows that flood the interior with natural light and create an inviting curb appeal you don't see every day. Step inside to find a thoughtfully designed dining room and a comfortable living room, giving you plenty of space to host gatherings, entertain guests, or simply relax at home. The kitchen offers new floors, generous counter space, and abundant cabinetry, making meal prep and storage easy while still allowing plenty of room to move around. Just off the main living area, a wide sliding glass door that opens from both sides leads you to a large screened-in back porch, creating the perfect indoor-outdoor flow for enjoying cool evenings, morning coffee, or weekend cookouts without worrying about the Florida bugs. The master suite is spacious and private, featuring a walk-in shower and a large walk-in closet with plenty of storage. Two additional bedrooms and a second full bathroom provide comfortable space for family, guests, or a home office. Outside, the property truly shines. The circular wrap-around driveway offers convenient access and plenty of parking for guests, while the clean and spacious two-car garage provides room for vehicles, tools, or extra storage. Also, RV parking is available with a designated spot to park alongside the driveway! Located in the charming town of Williston, this property offers the perfect balance of quiet country living and convenience. You will be just minutes from local favorites like Devil's Den Prehistoric Spring, Blue Grotto and some of North Florida's most beautiful natural springs. Outdoor enthusiasts will love the easy access to hunting land, horseback riding trails, fishing spots and state parks, while Gainesville and Ocala are both an easy drive for shopping, dining, and entertainment. If you are looking for space, privacy, character, and the relaxed lifestyle that Levy County is known for, this home is one you will definitely want to see in person! Call today for a private tour!
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.
