Welcome to one of Charlestown's most desirable offerings—a rarely available end-unit Hermitage model perfectly positioned on one of the community's most sought-after streets. Backing and fronting to beautiful green space, this all-brick home offers nearly 2,700 square feet of living space with 4 bedrooms, 2 full baths, and 2 half baths. The signature Charlestown foyer greets you with a grand curved staircase, setting the tone for the warmth and character found throughout. Hardwood flooring spans the main and upper levels, while abundant natural light pours through additional end-unit windows. The spacious living room enjoys a bright and airy feel, and crown molding and warm finishes continue into the dining room, where sliding doors provide access to one of the most beautiful patio settings in Charlestown. Designed for both entertaining and everyday enjoyment, the private outdoor oasis features a paver patio, raised garden beds, a custom retractable fabric-roof pergola, and a stunning centerpiece crape myrtle tree that provides shade and character throughout the seasons. The inviting eat-in kitchen offers granite countertops, stainless steel appliances, a large pantry, and a cozy corner perfect for a breakfast table, coffee station, or reading nook. Direct patio access from both the kitchen and dining room creates seamless indoor-outdoor living. Also on the main level is an updated powder room and a versatile office or fourth bedroom featuring custom built-in shelving and peaceful views of the expansive front common area. Upstairs, the spacious primary suite benefits from a rare additional end-unit window and overlooks green space. A walk-through closet leads to the private bath with dual vanities. Two additional bedrooms provide generous accommodations, including one with an oversized walk-in closet, while a beautifully renovated hall bath (2022) serves the secondary bedrooms. The finished lower level offers exceptional flexibility with a large recreation room centered around a unique end-unit-only fireplace. The expansive space easily accommodates separate gathering and exercise areas and is enhanced by a custom wet bar and luxury vinyl plank flooring installed in 2024. A large laundry room, workshop/storage area, and convenient half bath complete the level. Important updates include a replacement HVAC system (2019), updated electrical panel, and roof replacement through the HOA's maintenance program. Charlestown's comprehensive HOA provides exceptional value, covering exterior painting, roof replacement, gutter cleaning, trash and recycling, lawn and grounds maintenance, tree and shrub care in common areas, snow and leaf removal, and maintenance of community sidewalks, playgrounds, brick walls, railings, and common spaces. Additional highlights include two assigned parking spaces just steps from the rear gate, abundant guest parking, Verizon FiOS availability, cinder block construction between homes for enhanced sound and fire protection, and sidewalks leading to multiple neighborhood playgrounds and tot lots. Ideally located within the highly desirable West Springfield High School pyramid, this home offers easy access to Fort Belvoir, the VRE Rolling Road Station, Metrobus service to the Pentagon, the Franconia-Springfield Metro, and major commuter routes including I-95, I-395, I-495, Fairfax County Parkway, and Franconia-Springfield Parkway. Shopping, dining, and everyday conveniences are all just minutes away. With its premium location, beautiful outdoor living spaces, thoughtful updates, and sought-after Hermitage floor plan, this exceptional Charlestown home presents a rare opportunity to enjoy one of West Springfield's finest townhome lifestyles.
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.
