If you're looking for a move-in ready home in Killeen with space that actually works in real life, this one delivers. Built in 2020, this 4-bedroom, 3.5-bath home with over 2,700 square feet offers the layout buyers are actively searching for right now—open concept living, a designated office, and room to spread out without wasted space. The main living area flows seamlessly into a modern kitchen with granite countertops, stainless appliances, and a brand new dishwasher, making everyday living and entertaining easy. You’ll also find two dining areas—formal and casual—giving you flexibility for everyday meals, hosting, or holidays without crowding the kitchen. The primary suite is oversized and privately positioned, with the kind of space buyers expect in this price range—plus room for a true retreat setup. Upstairs, you’ll find spacious secondary bedrooms along with flex space ideal for a game room, media room, or additional living area—one of the most searched features right now. One of the standout advantages? Solar panels that will be paid off at closing, offering long-term energy savings without the added monthly cost—something more buyers are prioritizing in today’s market. With multiple living areas, a dedicated office, abundant storage, and a layout that adapts to changing needs, this home works whether you're hosting, working from home, or just needing separation between spaces. Located in the 76542 area of Killeen with convenient access to Fort Cavazos, schools, and daily essentials, this is the kind of home buyers have been waiting for—but haven’t been finding in this price point. If you’ve been searching for a newer home with space, function, and efficiency, this one is worth a closer look.
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.
