Don’t miss out! Better than new with over $150K in upgrades. Experience refined living in this refreshingly roomy 4,900+ sq. ft. residence, perfectly situated on a quiet corner cul de sac lot in the highly esteemed Vint Hill community. An open floor plan gives you that relaxing “elbow room" you've been looking for. A repaved driveway and stone walkway (2023) lead to a welcoming porch. Well maintained, this home is GORGEOUS featuring many big-ticket updates such as a newer upper level heat pump (2023), main level A/C components (2025), GAF Timberline roof (2019), NEW double paned windows (2025), a whole house water softener with reverse osmosis, and a NEW hot water heater (June 2026). Hardwood floors, NEW LVP flooring in the mudroom and sunroom, upgraded lighting, custom blinds, and Wi-Fi enabled enhancements create a sense of easy living. Inside features 10 ft ceilings on main level and 9-ft ceilings on upper and basement levels. The gourmet kitchen and butler's pantry showcase NEW Verona large vein quartz counters and backsplash, with an expansive island large enough to prep your holiday meals. The kitchen opens seamlessly into the sunroom and great room with a gas-log fireplace. Formal living and dining rooms and a main level office/flex space enhance the home’s versatility. The mudroom with storage closet is situated for effortless access between the garage and kitchen. Upstairs, the spacious primary suite presents a sitting area, generous walk in closet, and spa inspired bath. Four additional large bedrooms and an upper level laundry combine comfort and practicality. The fully finished walk up basement features a sprawling rec room, a flex room with walk-in closet, full bath, large workroom, and abundant storage. The outdoor living space is exceptional, featuring a remote-controlled 18-foot SunSetter, shading a maintenance-free Trex deck with a stamped concrete patio below. Included on the lower-level patio is a 7-person Jacuzzi overlooking a tranquil wooded backdrop, tailor made for entertaining or unwinding. A rare offering in Vint Hill, this home blends elegance, comfort, and modern conveniences within walking distance to trails, parks, local dining, a winery, and brewery. Community amenities include a post office, local theater, a full rec center with a variety of sports and fitness options, dog park, and Larry Weeks community pool, all within a short stroll. At this price per square foot, this home represents an exceptional value!
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.
