WHY WAIT FOR NEW CONSTRUCTION...This 5 Bedroom 3 Bathroom 2-Car Garage 2,605 sq ft 2 story home awaits you. INCLUDING A SPECTACULAR WATERVIEW. This D.R.Horton's Hayden model, being one of the largest lots, is only 4 years young. Waterview wraps around with no neighbors too close on either side. MOVE-IN READY. Open-floor plan with a study/den downstairs, and an extra bonus room upstairs. Breakfast bar in kitchen with extra space for eating, and a formal dining space. Mother-of-Pearl backsplash in kitchen with a designated coffee/tea area, and dual sinks. Stainless Steel appliances. Lots of natural light coming in from large windows, sliding doors. Spectacular waterview of the prime location of this home, along with an oversized screened Lanai. Lots of storage both upstairs and downstairs. Master has 2 walk-in closets, walk-in shower, separate water closet, and dual sinks. 2nd bathroom upstairs has dual sinks with shower and tub. Full bathroom downstairs with another bedroom. Transferable leased Solar Panels reducing electric costs. Community features include a resort-style pool, open-air clubhouse, Playground and Dog Park. Set in vibrant Zephyrhills and only a few miles from Tampa, this location offers a mixture of nature, adventure, local culture, and convenience: Outdoor & Family Fun like the Skydive City which offers top-tier skydiving and solo jumps, plus a lively scene with food and atmosphere. Zephyr Park & Waterplay, that hosts a scenic 34-acre park with tennis courts, walking paths, picnic spaces, playground, and a free 7,000 sq ft splash pad. Hillsborough River State Park, with 7+ miles of hiking trails, canoe and kayak rentals, camping and riverside exploration. Upper Hillsborough Wildlife Management Area which is great for hiking, biking, horseback riding, and wildlife spotting in a serene preserve. AND THERE'S MORE, with the Krusen Park with an a 30-acre space featuring basketball, soccer, inline hockey, playgrounds, picnic areas! An added treat only 10 miles away is Epperson Lagoon. Local Culture & Community Vibes include Zephyrhills Brewing Company, Zephyrhills Museum of Military History. Historic Downtown Zephyrhills—charming district with early 20th-century architecture, unique boutiques, murals, cafes, and a warm small-town ambiance. Zephyrhills Depot Museum—located in a restored 1927 rail depot, it highlights the city's railroad heritage. Farmers Market & Unusual Local Finds—enjoy fresh produce, artisan goods, and playful attractions like the “Chickens of Zephyrhills” photo hunt around town. Convenient to Hospitals and Medical Centers, Shopping & Dining to nearby Wesley Chapel. Destinations like The Shops at Wiregrass, The Grove, and Tampa Premium Outlets for additional shopping, dining, and entertainment. Easy access to Busch Gardens & ZooTampa, both under 30 miles away for theme park and family fun days. So many activities to enjoy on the weekends. Your Dream Home Awaits You. Make your appointment today.
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.
