Due to popular demand, welcome to the magnificent 6324 Vint Hill Road in Warrenton, Virginia. Set on 1.31 private acres with wooded views, a flat usable backyard, a wood deck, and a concrete patio, this 2018-built home delivers the space, privacy, and lifestyle today’s buyers are searching for. With 4,414 total square feet and 3,756 finished square feet, this home gives you room to live, work, host, relax, and expand into every version of your next chapter. Inside, the home features an open-concept layout designed for connection and everyday ease. The kitchen brings the bright, timeless look buyers love with white cabinetry, stainless steel appliances, double ovens, and a gas cooktop, creating a natural gathering point for meals, entertaining, and daily life. The main level flows comfortably for hosting, while still feeling warm and livable. Upstairs, the home offers 4 bedrooms, including a spacious primary suite with a walk-in closet, chapel ceiling, double vanity, soaking tub, and separate shower. The bedroom layout gives everyone their own space, while the home itself lives even larger thanks to the finished lower level. And the basement? This is where the property separates itself. Finished in 2022, the walkout lower level includes a wet bar, beer tap, full bathroom, bedroom/flex space, and a hidden door that may or may not lead to Narnia. Whether you are hosting game day, poker night, movie night, guests, or the most legendary basement hangout in Warrenton, this level is built for it. The oversized 3-car garage adds even more function, giving you space for vehicles, storage, hobbies, tools, equipment, or the workshop setup you have been waiting for. Major maintenance items have also been addressed, including a well head replacement in 2023 and septic pumping in 2024. Outside, the property feels like a private retreat. The backyard is flat, green, and framed by trees, with a deck and patio ready for grilling, relaxing, entertaining, or simply enjoying the peace and privacy of 1.31 acres. The location brings together privacy and convenience. You are near the Vint Hill area, including Old Bust Head Brewing Company, a local favorite independent brewery located in Vint Hill, plus nearby community amenities, dining, shops, coffee, gyms, parks, and local gathering spots. Warrenton Village Center offers more than 40 retailers, restaurants, and businesses, while Gainesville, Haymarket, Route 29, and Old Town Warrenton are all within convenient reach. 6324 Vint Hill Road is for the growing family, the remote worker, the entertainer, the privacy seeker, and the buyer who wants a home that feels memorable the moment they walk in. Look at the photos. Fall in love. Then come see it in person.
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.
