Welcome to 80 S 4th Street, a charming rowhome in the heart of Mount Wolf that combines character with the everyday convenience today’s buyers want. With 4 bedrooms, 1.5 bathrooms, and 1,320 square feet across two stories plus a finished basement, this home offers comfortable living space and a great opportunity for a first-time buyer ready to stop renting and start building equity. Inside, you’ll find warmth and character that lasts, along with modern updates that make daily life more comfortable, including central air keeping you cool from the heat of the day. The flexible layout offers space for a growing household, a home office, hobbies, extra storage, or simply the chance to make the home your own over time. Located in the highly regarded Northeastern York School District, this property offers access to a sought-after school system while maintaining the affordability and close-knit community feel Mount Wolf is known for. Just steps away, a nearby community park adds to the appeal, offering a convenient place for evening walks, outdoor play, weekend picnics, or simply enjoying green space close to home. Living here means enjoying the charm of small-town life while staying close to the amenities and destinations that make York County so appealing. Downtown York is just a short drive away and offers popular restaurants, breweries, boutique shopping, art galleries, and year-round community events. Spend weekends exploring Central Market, grabbing coffee at local favorites, or enjoying the city’s growing food scene. You’ll also be within easy reach of some of Central Pennsylvania’s most popular destinations. Lancaster offers great dining, shopping, markets, and arts, while Lititz is loved for its walkable downtown, local boutiques, bakeries, and coffee shops. Gettysburg is close enough for easy day trips filled with history, museums, wineries, and outdoor activities. Commuters will appreciate quick access to Interstate 83, making travel to York, Harrisburg, and Maryland simple and convenient. The location is also close to major employers such as WellSpan Health, UPMC Memorial, Harley-Davidson, Amazon distribution centers, and others throughout York County. Nearby higher education options include York College of Pennsylvania, Penn State Harrisburg, and Elizabethtown College. More than just a place to live, 80 S 4th Street offers the chance to enjoy a slower pace, strong community connections, nearby recreation, excellent schools, and convenient access to work, dining, shopping, and weekend destinations. For a buyer seeking character, comfort, and long-term value, this is an opportunity worth a closer look.
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.
