Experience the perfect blend of architectural volume and suburban tranquility in this sun-drenched residence nestled on a quiet cul-de-sac in the sought-after Harris Branch community. From the moment you step inside, the family room commands attention with its soaring two-story ceilings and a dramatic wall of cascading windows that frame views of the lush greenery outside. A cozy fireplace serves as the centerpiece of this airy sanctuary, flowing seamlessly into the breakfast nook and a chef- ready kitchen outfitted with granite countertops, crisp white cabinetry, and a full suite of stainless steel appliances. Designed for modern living, the main-level primary suite offers a private retreat featuring an elegant bay window and a spa-like ensuite complete with dual vanities, a jetted soaking tub, and a separate walk-in shower. Upstairs, the home expands into a versatile bonus loft—an ideal space for a high-tech media room, a dedicated home office, or a vibrant play area. Three additional spacious bedrooms ensure comfort and privacy for everyone. The lifestyle extends well beyond the interior walls. Positioned on an expansive quarter-acre lot, the massive fenced backyard is a rare find, offering a large concrete patio for weekend gatherings, a convenient storage shed, and ample room for a future pool or garden. Residents of Harris Branch enjoy a resort-style atmosphere with exclusive access to a private lake, sparkling community pool, tennis courts, and a playground. Located just minutes from the high-growth tech corridor housing Samsung and the Tesla Gigafactory, and only 12 miles from the heart of Downtown Austin, this home offers an unbeatable commute without sacrificing the peace of a cul-de-sac lifestyle. With the 3,600-acre Walter E. Long Metropolitan Park just to the south, outdoor adventure is always within reach. Take advantage of move-in ready convenience and potential financing incentives to make this North Austin gem your own.
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.
