End-unit opportunity in Sunrise at The Farm in Summerville! This move-in-ready townhome offers 3 bedrooms, 2.5 bathrooms, and a one-car garage, with abundant natural light and an open-concept layout ideal for both entertaining and everyday living. End-unit placement provides added privacy and natural light, a feature buyers consistently seek in this community.The main level features a spacious family room, dining area, and a well-appointed kitchen centered around a large granite island with seating for four--perfect for casual meals or hosting guests. Additional highlights on the first floor include a half bath, coat closet, and direct access to the single-car garage.Step outside to enjoy a private rear patio, offering a quiet outdoor space for morning coffee, evening relaxation, or outdoor dining. Upstairs, the thoughtfully designed layout includes a primary suite, two additional bedrooms with vaulted ceilings, a full hall bathroom, and a convenient laundry closet. The primary suite features a walk-in closet, vaulted ceiling, and a spacious ensuite bathroom complete with a walk-in shower, dual vanity sinks, and linen closet. Residents enjoy access to The Farm Amenities Center, featuring a resort-style pool, fitness center, and playground. This home is also part of the larger Wescott Plantation, offering an exceptional lifestyle with access to The Golf Club at Wescott Plantation, parks, sports fields, walking and biking trails, and a dog park. Conveniently located near shopping, dining, medical facilities, and major roadways, this community provides easy access to everything Summerville has to offer. Homes in this section of the neighborhood are known to sell quickly due to the combination of low-maintenance living, amenity-rich surroundings, and convenient location. Whether you're a primary homeowner, downsizing, or relocating to the Lowcountry, this property offers comfort, functionality, and long-term value in a highly desirable area. Move-in ready and thoughtfully designed, this end-unit townhome delivers the perfect balance of style, convenience, and community living. Age, square footage, taxes, acreage, HOA dues, flood zone, and schools are approximate. Buyer to verify any and all information deemed necessary.
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.
