OPEN this Weekend SATURDAY JUNE 6, 2026 - 11 AM - 2 PM Secluded 5.48 -Acre Log Estate with Guest Apartment & River Access Tucked away among mature trees on on close to six private acres, this distinctive log estate offers a peaceful country retreat near the Port Tobacco River, combining privacy, nature, and flexible living space in a beautiful setting. Located within convenient reach of Washington, DC, La Plata, and surrounding Southern Maryland communities, the property offers the perfect balance of accessibility and seclusion for those seeking a full-time residence or a private weekend escape from the city. With more than 5,000 square feet of living space, the home blends rustic character with modern comfort. The main level features soaring ceilings, exposed beams, and expansive windows that bring natural light into the spacious living areas, creating a warm and inviting environment for everyday living and entertaining. The updated kitchen includes granite countertops, stainless steel appliances, and generous space for gatherings with family and friends. The recently renovated owner’s suite features a beautifully updated bathroom, while additional bedrooms provide flexibility for guests, family members, or work-from-home space. The fully finished lower level adds exceptional versatility with a second kitchen, additional bedrooms, a full bath, and office space—ideal for multi-generational living, extended guest stays, or private living quarters. Adding even more flexibility, the separate apartment above the detached garage offers its own entrance, kitchen, and living area. This space can serve as a guest suite, home office, private retreat, or potential rental opportunity. Outdoor living is where this property truly shines. Wraparound porches, patios, a swim spa, fire pit, koi pond, and expansive deck areas overlook the surrounding woods, creating a peaceful environment perfect for entertaining or relaxing in nature. Residents also enjoy community access to the Port Tobacco River, including a private pier and boat ramp for boating, kayaking, fishing, and outdoor recreation just minutes from the home. Unlike traditional suburban homes, this property offers a rare opportunity to enjoy private estate-style living surrounded by nature while still remaining within reach of regional amenities. Seller welcomes serious inquiries and will consider strong offers. Schedule your private showing to experience the charm, tranquility, and lifestyle this unique property has to offer.
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.
