$10,000 SELLER CREDIT — use it toward closing costs, rate buy-down, or whatever works best for you. Buyers comparing this to new construction should look closely. This 5-bedroom plus flex room, 3-bath Hayden model offers 2,604 square feet, is only 4 years new, and is available now — no build time, no construction delays, and no additional out-of-pocket expenses for upgrades that are already in place. The larger Hayden floor plan stands out from the smaller Robie model with its dedicated front flex room, providing a true office, den, or formal space that enhances both functionality and long-term value. The open-concept layout connects the kitchen, dining, and family room seamlessly, creating an ideal setting for entertaining and everyday living. The kitchen features granite countertops, a large island, stainless steel appliances, and ample storage. Upstairs, the spacious loft adds another flexible living area that can serve as a media room, play space, or secondary lounge. Unlike many new builds, this home already includes a fully fenced vinyl backyard with no rear neighbors, a whole-home water filtration system, smart thermostat, first-floor security system, Ring doorbell, remote lighting and garage access, flood detection sensors, and an EV-ready garage with 220V outlet — upgrades that would otherwise add thousands after closing. Triumph South offers a low-traffic setting with a single entry and exit, a community park with playground and bocce ball court, no age restrictions, and no CDD fees. With very limited Hayden models currently available nearby — and potentially requiring months to complete — this is a strong alternative for the buyer who wants space, upgrades, and flexibility now. Move in sooner. Keep more cash in your pocket. Use the $10,000 credit in the way that benefits you most. Schedule your showing today. Aerial property lines are approximate and to be verified by buyer.
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.
