**SAVINGS ALERT: Eligible buyers may have the opportunity to assume the seller's VA loan at an incredible 2.25% interest rate. Contact the listing agent for details.** Welcome to 6309 Johensu Drive, a well-maintained home offering the space, updates, and flexibility today's buyers are looking for. Situated on a street with little through traffic, this home offers a quieter setting while remaining conveniently located near shopping, dining, and major commuter routes. The main level features a practical and versatile layout with a dedicated first-floor office, formal living and dining rooms, and a spacious family room that opens to the kitchen and morning room—creating a comfortable flow for both everyday living and entertaining. The kitchen serves as the heart of the home, offering an open-concept design that keeps everyone connected. Just beyond, the morning room provides additional gathering space and easy access to the rear deck overlooking a peaceful backyard setting, making it the perfect spot for morning coffee, outdoor dining, or relaxing at the end of the day. Recent improvements include a Carrier heat pump and furnace system installed in 2020, a new roof installed in October 2025, a LeafFilter gutter protection system, and an updated NuTone intercom system. Smoke and carbon monoxide detectors have also been updated to meet current standards. Buyers will also appreciate the hardwood flooring throughout the home, with carpet found only on the stairs—offering both timeless style and easy maintenance. A bright sunroom with a remote-controlled ceiling fan provides even more living space and flexibility throughout the year. The unfinished basement presents an opportunity for future expansion and personalization. Whether you envision a recreation room, fitness area, media space, guest suite, or additional living area, the lower level provides a blank canvas to create a space that fits your lifestyle. The basement is currently unfinished. Photos depicting a finished basement are virtual renderings provided for illustrative purposes only and are intended to showcase the space's potential. For buyers considering new construction, this home offers the advantage of completed system upgrades, established outdoor living space, and the flexibility to customize future improvements on your own timeline. 6309 Johensu Drive combines comfortable living, thoughtful updates, and room to grow—all in an established Upper Marlboro community. Schedule your private tour today.
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.
