Welcome to a home designed for real life, real memories, and room to grow. Tucked away on a quiet, sidewalk-lined street in the highly desirable Trillium Village community of Brooksville, this beautifully maintained 4-bedroom, 2.5-bath home offers over 2,600 square feet of flexible living space that adapts to the way you live today. From the moment you arrive, there’s a sense of comfort and simplicity. The front porch invites you to slow down, offering the perfect spot for a rocking chair morning with coffee or a quiet evening enjoying the peaceful neighborhood setting. With low HOA fees and no CDD, the community provides value while still offering amenities like a pool and playground for residents to enjoy. Inside, the home opens to a layout that balances connection and privacy. The main living areas flow effortlessly, creating spaces where family and friends can gather while still allowing room to spread out when needed. A versatile first-floor space offers flexibility for a home office, playroom, or formal dining area depending on your lifestyle. At the center of it all, the kitchen serves as the heart of the home. Featuring granite countertops, stainless steel appliances, a center island, and ample cabinetry, it’s designed for everything from busy weekday mornings to weekend gatherings and holidays. The open design keeps everyone connected, whether you’re cooking, entertaining, or simply spending time together. Upstairs, a spacious loft creates an additional living area perfect for movie nights, gaming, or a second family room. The primary suite offers a peaceful retreat with generous closet space and a private bathroom designed for relaxation at the end of the day. Three additional bedrooms provide plenty of space for family, guests, or hobbies. Throughout the home, tile and luxury plank flooring provide durability and style, with carpet in the bedrooms for added comfort. Major updates including a brand new roof and new A/C in 2025 offer peace of mind for years to come, while the home itself reflects pride of ownership and meticulous care. Step outside and you’ll find an extended screened-in back porch overlooking a private setting with no build behind, creating a quiet space to unwind, entertain, or let pets and family enjoy the outdoors. It’s the kind of backyard that adds both privacy and possibility. Beyond the home, the location brings everything together. Brooksville offers a blend of small-town charm and outdoor adventure, with nearby parks, trails, and natural springs to explore. Historic downtown Brooksville is just minutes away, offering local dining, shops, and community events. Everyday conveniences are also close by, with Publix, Target, Walmart, and Sam’s Club all within easy reach, along with quick access to major roadways for commuting to Tampa, the Gulf Coast beaches, or a day at Weeki Wachee Springs State Park. This home offers the space, updates, and location buyers are looking for, all in a community that continues to grow in popularity. Move-in ready and designed for everyday living, it’s ready for its next chapter. Schedule your private showing and come experience what makes this home and neighborhood so special.
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.
