Tucked away on a picturesque 4-acre lot, this exceptional Northern Calvert retreat offers a rare blend of privacy, space, and convenience. Surrounded by mature trees, curated walking trails, and conservation land, 8200 Sycamore Circle delivers a peaceful, retreat-like setting while remaining ideally positioned near commuter routes, shopping, dining, and the Chesapeake Bay lifestyle. Just 30 minutes from Joint Base Andrews and within an hour of Washington, D.C., the Pentagon, Annapolis, Fort Meade, PAX River, and Baltimore, this thoughtfully appointed property is perfectly suited for both everyday living and commuting convenience. The home is also equipped with electric vehicle charging capabilities, including two NEMA 14-50 outlets. A timeless colonial design welcomes you with spacious living areas designed for both comfortable daily living and effortless entertaining. The main level features formal dining spaces, a wet bar with wine refrigerator, and seamless access to the expansive rear patio — creating the ideal backdrop for gatherings indoors and out. Beyond the home, the manicured grounds are accented by flowering landscaping and private trails that extend into the surrounding conservation land. Upstairs, the private primary suite offers a serene retreat complete with an en-suite bath and oversized walk-in closet. Three additional bedrooms share a generously sized bath with dual vanities, while the conveniently located upper-level laundry room adds everyday practicality. The partially finished lower level offers flexibility for a cozy den, office, fitness space, or future expansion. With a walkout to the backyard and substantial unfinished storage and utility space, the lower level provides endless opportunity to tailor the home to your needs. Recent improvements include: • New refrigerator and microwave (2026) • New roof (2025) • New well pump and water treatment system (2025) • New HVAC system (2021) • New sump pump (2021) Whether hosting guests, enjoying the tranquility of the property, or exploring the surrounding natural beauty, this home offers the refined lifestyle today’s buyers are seeking.
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.
