Tucked at the end of a private cul-de-sac on nearly 8 wooded acres, this extraordinary home feels like a world apart, yet sits minutes from downtown Manassas, everyday conveniences, and quick access to Routes 234, 66, 95, and 28. The mature tree canopy provides complete privacy from the street and neighbors alike, and the resort-like setting announces itself before you ever step through the door. The connection to the outdoors here is exceptional. The property holds over 100 feet of private frontage on the Occoquan River, with a dock perfect for launching kayaks, canoes, and paddleboards into miles of open waterway. A private trail leads directly from the home down to the water’s edge, and from there residents have access to a mile-long community trail running right along the banks of the Occoquan. A serene, wooded path ideal for morning walks, dog lovers, and families who want time along the river without ever getting in a car. Two streams also border the property and feed into the river, adding to the sense of living within nature rather than simply beside it. Outside, the home lives like a private resort. A pool and spa anchor the backyard entertaining space, with the walk-out basement connecting seamlessly to the pool deck. Tucked beneath the deck is a covered outdoor area with its own gas fireplace, a perfect perch for cool evenings by the pool or watching football on a crisp fall afternoon. The three-car garage handles vehicles and gear with ease, and a large, nearly new shed offers additional space for watercraft, garden tools, or workshop use. The wooded acreage surrounds it all, providing shade, privacy, and the sounds of the natural world at every turn. Inside, the home is appointed with five gas fireplaces in total, lending warmth and ambiance to the living spaces throughout every season. The primary suite sits on the main living level, a thoughtful layout that offers both convenience and seclusion, complete with two generous walk-in closets and views into the trees. A light-filled flex room off the kitchen works beautifully as a home office, breakfast room, or reading space. Three large bedrooms occupy the upper level, and the walk-out basement adds a fourth bedroom with a full bath opening directly onto the pool deck. All this alongside a remarkable 1,000 square foot climate-controlled storage area. Combined with oversized closets throughout the home, the three-car garage, and the outbuilding shed, storage here is genuinely without equal. This is not simply a large home — it is a lifestyle. Mornings here begin with birdsong, the rustling of leaves, and the deep green stillness of the woods — a natural soundtrack that sets the tone for the day. It is a place where adults rediscover tranquility and children thrive outdoors, where the pace slows and the noise of the world fades. And yet, everything you need is close at hand — major commuter routes, shops, and amenities all within easy reach. Peaceful and private, yet effortlessly connected. Properties that offer this rare balance are extraordinarily hard to find. This is one of them.
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.
