Absolute pride taken in this beautifully maintained home within the desirable Trails at Weston Oaks subdivision! Assumable FHA loan - 3.25% interest rate! Located on the fast-growing far west side of San Antonio, just minutes from Highway 1604, 211, and Lackland AFB, this upgraded 4-bedroom, 3.5-bath home in Northside ISD offers the space, features, and convenience today's buyers are looking for. From the moment you arrive, the home stands out. Solar-powered ambient lighting, a motion-sensor floodlight, Ring security system, and permanent color-changing exterior lights create a warm, welcoming look both day and night. Extended side fencing adds privacy, making the home ideal for relaxing evenings or hosting friends and family. Inside, you'll immediately notice the openness. Both floors feature 9- and 10-foot ceilings, giving the home a bright, airy feel with natural light throughout. The kitchen and bathrooms feature white cabinetry, updated hardware, and modern lighting (April 2026) that adds a clean, polished touch. Recently updated appliances, including a microwave (March 2025) and dishwasher (March 2025), make everyday living easy. Smart home features are already in place, including a fingerprint-enabled front door, Nest thermostat, Ring video doorbell, Eufy interior camera, smart locks, motion lighting, a smart garage door opener - designed for convenience and added security. The oversized 2.5-car garage offers more than just parking. It includes built-in shelving, a dedicated workspace with cabinets, and valuable extras that convey with the home, including a commercial-grade water softener, an additional refrigerator, and a 30-gallon air compressor motor. This home is also equipped for peace of mind, featuring a 15,000-watt generator connected to the house, a well-maintained HVAC system with a recently updated compressor (April 2024), and remaining structural and roof warranty coverage. The downstairs primary suite provides a private retreat, complete with a bay window, custom closet system, and a spa-style bathroom with an oversized walk-in rain shower. Additional upgrades throughout the home include updated fixtures and bidets in every bathroom. Three great sized secondary bedrooms & two full bathrooms are on the second level. Loft upstairs would be perfect for a secondary living, office, game room or media room. Step outside to a backyard designed for comfort and entertaining. The yard features a partially cemented patio, storage shed, and deck box, along with a large mature tree that provides natural shade. With the home facing east, the backyard stays comfortably shaded in the afternoon-ideal for gatherings without the harsh Texas sun. Outdoor lighting enhances the space, and the included Blackstone griddle with air fryer makes it easy to host. Wonderful neighborhood amenities include a pool, clubhouse and playground. Location is a major highlight, with Costco, H-E-B, Walmart, and Dove Creek Shopping Center just minutes away, along with Westover Hills Baptist Hospital, CVS, and a growing selection of restaurants within a short drive.
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.
