Enjoy peaceful golf course living in this gorgeous, meticulously maintained home overlooking the 4th tee box of the Davis Park Golf Course. Perfectly positioned on the ladies' tee box, the setting offers beautiful green views and a quiet atmosphere. Inside, the home shines with new carpet, fresh paint, and newly refinished hardwood flooring, creating a bright and welcoming feel throughout. The home has been thoughtfully designed, cared for and upgraded, featuring a large walk-in pantry, convenient upstairs laundry, a spacious primary suite overlooking the green, providing a relaxing retreat at the end of the day. The home is very energy-efficient with additional spray foam and attic insulation added in 2025. A paid-off solar panel system helps keep monthly power bills low. The oversized garage offers extra width and depth with an 18-foot extra-wide door, while additional side driveway parking adds flexibility for vehicles or guests. Step outside to a fully fenced backyard with gates on both sides. With a large steel awning and a mature shade tree, the covered patio is a comfortable place to relax, and the current homeowners say it has been the perfect spot for many peaceful afternoon naps. Outdoor fans and lighting are included, making the space extra comfortable. Located in a quiet Fruit Heights neighborhood near Nicholl's Castle Park and the Gailey Trail, this home also offers quick access to some of the area's best outdoor recreation including the Fruit Loops Mountain Bike Park and the Kaysville Wilderness Park, along with many nearby hiking and biking trails. Conveniently situated with easy access to I-89 and I-15, the home is close to shopping, dining, entertainment, several hospitals, and just minutes from Hill Air Force Base. This is a rare opportunity to enjoy beautiful golf course views, energy efficiency, and a peaceful outdoor lifestyle in one of the area's most desirable locations. Square footage figures are provided as a courtesy estimate only and were obtained from county records . Buyer is advised to obtain an independent measurement.
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.
