Welcome to 8867 Delacorte St, a beautifully upgraded home set on a premium corner lot in a highly desirable Littleton community, complete with convenient street parking. This exceptional property stands out with its thoughtful enhancements, functional layout, and mountain views from the kitchen and primary suite. Designed for both everyday living and effortless entertaining, the main level features an open-concept layout with wide-plank flooring and abundant natural light. The kitchen is a showpiece, boasting a large quartz island, stainless steel appliances, and generous cabinetry. It flows seamlessly into the spacious dining and living areas, highlighted by upgraded lighting and direct access to the deck through oversized sliding glass doors—perfect for indoor-outdoor living. Upstairs, the primary suite offers a relaxing retreat with custom touches, including a stylish sliding barn door and built-in headboard. The en-suite bath features a beautifully designed, spacious shower. Two additional bedrooms and a full bath complete the upper level. The fully finished lower level adds valuable living space with a fourth bedroom, full bathroom, and a functional mudroom with a custom bench that connects to the attached garage, also featuring upgraded lighting. Additional highlights include window coverings throughout, blackout shades in all bedrooms, and pre-wiring for a sound system in the living room and primary suite. Enjoy low-maintenance outdoor living with a covered deck, and lower patio. The home also offers convenient access to a nearby community gathering area with a grill and covered picnic space. Walking distance to shopping, dining, parks, and trails, this home blends comfort, style, and location. Seller upgrades include custom closet in primary bathroom, epoxy-finished garage floor, two additional hose bibs (backyard and garage), and expanded turf in the backyard. This is a rare opportunity to own a truly exceptional home, available now!
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.
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