Immaculate and beautifully updated, this 4-bedroom, 2.5-bath home in sought-after Lorton Station offers a bright, open floor plan and a long list of thoughtful improvements that make it truly move-in ready. Filled with natural light, the home features gleaming hardwood floors throughout the main level and a layout designed for both everyday living and effortless entertaining. The gourmet kitchen is the heart of the home, showcasing granite countertops, a center island, custom tile backsplash & stainless steel appliances. It opens seamlessly to the spacious family room with a cozy fireplace, while the main level also includes a formal dining area, private office, and convenient powder room. French doors lead to the low-maintenance deck, creating a perfect indoor-outdoor flow. Upstairs, the generous primary suite offers a relaxing retreat with dual walk-in closets and an en-suite bath featuring double vanities, a soaking tub, and separate shower. Three additional well-appointed bedrooms, a full hall bath with dual vanity, and a spacious, full-size laundry room complete the upper level. The fully finished lower level offers exceptional additional living space, featuring a spacious recreation area, a versatile bonus room ideal for a 5th bedroom, home gym &/or media room, along with abundant storage and a rough-in for a future 3rd full bathroom. Set on a thoughtfully sized, low-maintenance .08-acre lot, the property is designed for easy living—offering just the right amount of outdoor space to enjoy without the upkeep. The private deck creates an inviting extension of the home, ideal for relaxing or entertaining in a peaceful, tree-lined setting. This home has been meticulously maintained with major systems under a quarterly service contract. Recent updates include (2026) light fixtures, (2026) landscaping, guest bath improvements (2025), new brick walkway and decking trim (2025), fresh paint and partial roof renewal with Roof Max treatment (2025), updated appliances, HVAC (2019), hot water heater (2018), and more—offering true peace of mind. Enjoy an unbeatable lifestyle in Lorton Station with walkability to the VRE, community pool and clubhouse, playgrounds, restaurants, and everyday conveniences. Ideally located near Fort Belvoir, Lorton VRE, major commuter routes, scenic trails along the Potomac, and just minutes to shopping including Wegmans, Whole Foods & Trader Joe’s. VA assumable loan available for VA-eligible buyers only. Interest rate is 3.25% with a current balance approx. $385,000 with PennyMac. Buyer must qualify with lender—contact listing agent for details.
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.
