Welcome to this spacious 3-bedroom, 2.5-bath end-unit townhouse with a 2-car garage, ideally situated in a gated community and backing to a peaceful wooded conservation area with no rear neighbors. Step inside to soaring ceilings and an open-concept floor plan designed for comfortable everyday living and entertaining. The expansive great room flows seamlessly into the kitchen and features two sets of sliding glass doors that open to the patios and backyard, filling the home with natural light while showcasing tranquil wooded views. The formal dining room is currently being used as a home office, offering flexible living space to fit your lifestyle. The kitchen offers abundant counter space, a convenient walk-in pantry, and easy access to the main living areas. A first-floor half bath and a spacious laundry room with additional storage provide added convenience. Upstairs, the generous primary suite features a walk-in closet and private en suite bath. Two additional bedrooms and a full bath provide plenty of space for family, guests, or a home office. New laminate flooring installed on the stairs and throughout the second floor in 2024 adds a fresh, updated look and easy maintenance. The air conditioning system and water heater are both original but currently operating as intended. The home's attractive listing price reflects their age, providing buyers with an excellent opportunity to plan future updates while enjoying immediate comfort. Adding to the value, the roof was replaced in 2025, and the community is in the process of repainting the exterior, offering added peace of mind and enhanced curb appeal. The low HOA fee includes water, sewer, trash, recycling, landscaping, exterior building maintenance, and the roof, making for low-maintenance living and exceptional value. Conveniently located just minutes from shopping, dining, banking, and medical facilities, with quick access to the Suncoast Parkway and Tampa International Airport for an easy commute or travel. Best of all, this home is located outside of a flood zone, offering additional peace of mind. Don't miss this opportunity to own a well-maintained end-unit townhouse in a desirable location that combines privacy, convenience, and outstanding 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.
