Are you looking for the perfect Florida pool home without the “perfect Florida price tag”? Well… you just found it. Welcome to this incredible 3 bedroom, 2 bath pool home in beautiful Weeki Wachee, priced under $325,000 and packed with value that is getting harder and harder to find. If you have been waiting for that opportunity where you can step into instant equity and still make it your own, this is it. From the moment you walk in, you will appreciate the smart split floor plan that offers privacy where you want it and open living where you need it. The spacious kitchen, dining, and living areas come together seamlessly, creating the perfect space for entertaining, relaxing, or just enjoying everyday life. And then… there is the pool. Step outside to your screened pool oasis where four sets of French doors invite the outdoors in and the good times to roll. Morning coffee, weekend BBQs, or unwinding after a long day… this is what Florida living is all about. Inside, the home features a beautiful stacked stone wood-burning fireplace that not only adds character but actually works, perfect for those rare chilly Florida nights when anything below 70 feels like a cold front. The primary suite offers dual walk-in closets, while the secondary bedrooms are generously sized, including another walk-in closet that buyers will love. Natural light pours in through four skylights, creating a bright and welcoming feel throughout the home. Recent updates include a 2021 roof, newer pool skimmer, updated flooring in key areas, stylish pendant lighting, and even a new shed for extra storage. The oversized two-car garage gives you plenty of room for vehicles, toys, or a workshop setup. Sitting on a spacious quarter-acre corner lot with a low HOA of just $24 per month, this home checks the boxes that buyers are actively searching for right now. Does it need a little TLC? Yes. But that is exactly why this opportunity exists. The heavy lifting is already done… now it is your chance to add your personal touch and create something special. Homes like this, at this price, with a pool, in this location… do not last. schedule your showing today before someone else beats you to it.
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.
