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$649,900 SIGNIN

Sign in to see required down payment for the 3.1% rate

6512 Buzzard Creek Rd, Cedar Hill, TN 37032

4 beds · 3 baths · 3,633 sqft

Welcome to 6512 Buzzard Creek Rd, an exceptional brick estate nestled on over 2 acres of picturesque countryside in Cedar Hill. This meticulously designed home blends modern sophistication with serene country charm. As you approach, a large covered porch invites you inside, where an abundance of natural light floods the open-concept living space. The airy design features soaring trey ceilings, a striking gas fireplace, custom built-ins, and light hardwood flooring that enhances the sense of elegance. The chef’s kitchen is a masterpiece, showcasing luxury cabinetry, gleaming granite countertops, and a spacious eat-in bar—perfect for both culinary creations and entertaining. The expansive primary suite offers an exclusive retreat, featuring a coffered ceiling, an oversized walk-in closet, and a spa-inspired en-suite bathroom with a soaking tub designed for ultimate relaxation. The fully finished basement is an entertainer’s dream, complete with a kitchenette, wet bar, and two additional rooms that can be used as a guest suite or private office for a seamless work-from-home experience. Step outside through French doors into your own backyard oasis, where a brand-new deck wraps around the pool, offering perfect views of the lush landscape. A screened-in porch adds year-round comfort, making it the ideal space for outdoor living in total privacy. This luxurious residence has been thoughtfully updated with fresh paint, new carpet, custom landscaping, and a newly constructed deck, ensuring it’s move-in ready for the discerning buyer. Experience the ultimate in country living with all the modern comforts.

Estimated
Seller's interest rate
3.1%
7%
Estimated
Monthly payment

$2,687
$3,537
You may also save up to $272,824 in total interest paid.

Learn about how it works

Why Roam


Gap financing to lower your down payment

Unlock down payments as low as 5% – only with Roam

5x the likelihood your offer is accepted

If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close

Close faster and stress-free

We close 2x faster because of our deep experience and lender relationships

Rates and payments are estimates based on public records.

Financials
Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $3,537 monthly payment

Financed
SIGNIN
Location
Loan details
Loan type
FHA
Rate
3.1%
Remaining term
26 yrs and 9 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$2,687
Principal & interest
$1,685
Mortgage insurance
$279
Property taxes
$348
Home insurance
$373
HOA fees
-
Utilities
Not included

Source: Public records

Home details
Size
3,633 sqft
Lot size
2.06 acres
Year built
2008
Type
Single Family Residence
HOA dues
$0.00

Source: REALTRACS #2804117

Qualify

To qualify, you must meet the current FHA or VA 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%. 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.

FHA (Federal Housing Administration) loans

FHA loans require the buyer to assume the mortgage as a primary residence.

VA (Veteran's Affairs) loans

You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.

Investors

You may be able to assume a VA mortgage as an investor without it being your primary residence.

Resources
Frequently asked questions

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.

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.

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 620, 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.

View all FAQs
Last updated: Apr 20, 2025 07:01 am
Listing agent: Megan Baker Jernigan (615) 594-1990
Listing provided courtesy of: Compass RE (615) 475-5616
Details provided by REALTRACS and may not match the public record.
MLS ID: #2804117
Based on information submitted to the MLS GRID as of Apr 20 2025 - 22:06. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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