Low-maintenance and beautifully updated, this spacious 4-bedroom, 4-bath home offers the convenience of a highly sought-after main-floor primary suite with a private 5 fixture en-suite bath. Recent updates include fresh paint, new carpet, and updated lighting throughout, creating a bright and move-in-ready atmosphere. Soaring ceilings and abundant windows fill the home with natural light, enhancing the open and airy floor plan. The well-appointed kitchen features new appliances, a pantry for additional storage, and easy access to the adjacent dining and living areas. The expansive living room and dining room provide ample space for entertaining and everyday living, while the cozy gas fireplace serves as a warm focal point for gatherings. Upstairs, a spacious loft offers exceptional flexibility as a home office, playroom, media area, or the perfect spot to relax and watch your favorite shows. Surrounded by windows, the loft enjoys abundant natural light throughout the day. The finished basement expands the home's living space and includes an updated ¾ bath, a large family room, and an additional bedroom with two egress windows, making it ideal for guests, extended family, or a private retreat. With four bedrooms, four bathrooms, thoughtful updates, and a versatile floor plan, this home combines comfort, functionality, and low-maintenance living in a highly desirable setting. Ideally located for an active Colorado lifestyle, Littleton Village is just minutes from The Streets at Southglenn, the High Line Canal, and Chatfield Reservoir, with seamless access to DTC, Denver, and C-470 for easy commuting and weekend adventures. Healthcare professionals will appreciate Littleton Hospital just blocks away, with CU Health only a short drive from home.
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.
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