Welcome to your dream home in the heart of the Downtown Winter Garden Golf Cart District. This beautifully updated four bedroom, two bath pool home blends modern upgrades with the relaxed lifestyle that makes Winter Garden one of the most loved communities in Central Florida. From the moment you arrive, you feel the charm of a true downtown location combined with the comfort of a home that has been thoughtfully improved from top to bottom. The entire home runs on a complete whole home solar system that is fully paid off. This is a huge benefit for anyone who wants lower monthly utility costs and long term savings. Even better, the home includes multiple battery backups that keep everything running smoothly during summer storms or brief outages. It is a major quality of life upgrade and something buyers are actively searching for. Energy efficient, budget friendly, and future focused. Inside, the home features an updated kitchen with modern finishes, sleek counters, refreshed cabinetry, and a layout that flows easily into the living and dining spaces. The bathrooms have also been updated, giving the home a clean and current feel throughout. The natural light, the open flow, and the thoughtful finishes create a space that works for both everyday living and weekend entertaining. Each of the four bedrooms is spacious and flexible, perfect for families, guests, a home office, or a hobby room. Step outside to your private backyard oasis. The pool and hot tub create a true outdoor retreat, ideal for relaxing after work, hosting friends on the weekend, or enjoying Florida sunshine all year long. The yard offers plenty of room for lounging, grilling, and outdoor activities. It feels like a resort without ever leaving home. A three car garage provides the kind of storage that is hard to find in the downtown area. It is perfect for a golf cart, bikes, recreational gear, tools, or extra household items. Living in the Golf Cart District means you can ride straight to the farmers market, Plant Street Market, Crooked Can, evening concerts, coffee shops, boutiques, and everything that makes this town feel like a hometown community with a modern twist. Golf cart living is a lifestyle here and this home puts you right in the center of it. The location is a standout feature. You are minutes from historic Downtown Winter Garden, a short drive to shopping and dining in Horizon West, and have quick access to major highways that make commuting simple. Whether you are heading to the theme parks, downtown Orlando, or local schools and businesses, you are close to everything without losing the charm of small town living. This home brings together energy efficiency, style, comfort, and the unbeatable Winter Garden lifestyle. It is ideal for anyone who wants an updated home with low cost ownership, modern systems, and a location that keeps you close to food, fun, and community. Homes like this do not come up often. This is the full package.
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.
