Welcome home to this beautifully updated townhome, where modern comfort, thoughtful upgrades, and inviting indoor‑outdoor living come together effortlessly. Step inside to a bright, stylish interior anchored by a fully renovated kitchen featuring contemporary finishes, updated cabinetry, and newer stainless‑steel appliances—including a dishwasher and range replaced in 2025. It’s a warm, welcoming space perfect for cooking, gathering, and enjoying everyday life. Two spacious decks—one on the main level and another just below—extend your living space outdoors, offering the perfect setting for morning coffee, evening relaxation, or hosting friends. A private garage plus additional driveway parking add everyday convenience and flexibility rarely found in townhome living. This home has been cared for with exceptional attention to long‑term quality. The gas furnace was replaced in March 2022, followed by a new evaporator coil in 2023, ensuring efficient year‑round comfort. A new gas water heater was installed in September 2024, providing reliable hot water for years to come. In March 2026, the air‑conditioning condenser and evaporator coil were replaced, giving the home a fully refreshed HVAC system. Both the furnace and air‑conditioning system include 10‑year warranties, offering outstanding peace of mind. The roof was replaced in 2019, adding yet another major improvement already taken care of for the next owner. An incredible bonus: this home offers an assumable VA loan at an amazing 3% interest rate—an exceptional opportunity for qualified buyers. With its blend of modern updates, meaningful capital improvements, and inviting indoor‑outdoor living, this townhome offers the rare combination of beauty, comfort, and confidence. Homes with this level of care and investment don’t come along often—come see it in person and experience the warmth and quality for yourself.
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.
