Nestled on a private 4.26-acre wooded homesite in Brynwood Farm Estates, this well-maintained brick split-level offers peaceful Southern Maryland living with everyday convenience. Hidden in a forested valley with natural beauty all around, the home combines Dutch Colonial-inspired exterior character with a classic mid-century tri-level layout. Solid construction, real hardwood floors, brick accents, a wood pellet burning fireplace, generous windows, and thoughtful upkeep give the home the warmth and personality buyers often miss in newer builds. The main level includes an entryway foyer with two coat closets, living room, dining room with a fantastic picture window, and a kitchen with access to the screened porch. The lower level includes a family room, laundry/utility/mud room, and a private bedroom suite with a connecting full bath—ideal for guests, multigenerational living, a teen suite, office, hobby space, or second primary suite. Upstairs, the primary suite offers its own connecting full bath, along with two additional bedrooms and another full bath. The traditional three-level layout creates natural separation between living, sleeping, work, and guest spaces, while keeping the home connected and comfortable. Significant updates offer peace of mind, including a sealed crawlspace with commercial-grade dehumidification system (2022) and a 450 foot well (2018). Another of the home’s valuable improvements is the 2025 Carrier 16 SEER high-efficiency heat pump, supporting year-round comfort with modern electric heating and cooling. The home also retains its oil-fired baseboard heat, giving the flexibility of two heating options rather than relying on a single system. Additional interior features include quartz countertops, a kitchen island with butcher block top, central vacuum, hardwood and tile flooring, and a fireplace with a pellet insert. A true standout feature is the oversized climate-controlled detached two-car garage, complete with a wood burning fireplace and mini-split HVAC system (2025). More than basic parking, this space offers serious year-round workshop potential and ample storage—ideal for hobbyists, woodworkers, mechanics, gardeners, gear storage, or outdoor enthusiasts. Outside, the property delivers the acreage buyers dream of: a large screened-in porch that leads to a patio area, a backyard fire pit, flat fenced-in backyard with garden beds, front yard play area, wooded trails, mature trees, and frequent visits from deer, owls, hummingbirds, and lightening bugs. The screened porch extends the living space outdoors while keeping you comfortably sheltered, and the wooded setting makes nature feel like part of the home. The acreage has a year round flowing creek and shows signs of regular deer movement, including trails, bedding areas, and is a natural funnel area during the fall months for mature whitetail bucks to cruise through - adding to the appeal for wildlife watchers and outdoor enthusiasts. This property offers privacy, no HOA, a welcoming neighborhood atmosphere, and room to spread out while remaining close to town. Enjoy the feeling of being tucked away in the woods while staying within reach of La Plata, Waldorf, commuter routes, military bases, shopping, restaurants, and everyday services. This is Southern Maryland living at its best: privacy, character, useful space, and nature all around.
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.
