One or more photo(s) has been virtually staged. Welcome to a home that feels inviting from the moment you step inside. Designed for both comfort and connection, the open concept layout creates a bright, easy flow between the main living spaces, making everyday life feel effortless and gatherings feel natural. Whether you are hosting friends, sharing a quiet evening at home, or simply enjoying the rhythm of daily life, the layout offers the kind of warmth and flexibility buyers are looking for. At the heart of the home is a chef style kitchen with a long island that offers generous seating, creating a natural place for morning coffee, casual meals, and conversation. The living area is filled with natural light thanks to three large sliding glass doors that open the space beautifully and draw your eye to the backyard beyond. The result is a home that feels airy, welcoming, and connected to the outdoors. Step outside to the covered lanai, where there is plenty of room to dine, relax, grill, or unwind at the end of the day. It is an easy extension of the indoor living space and adds to the home’s overall sense of comfort and livability. The primary suite is a standout feature, offering not only a spacious bedroom retreat but also a private sitting area that adds incredible flexibility. Whether used as a workspace, reading nook, lounge, wellness corner, or quiet retreat at the end of the day, this additional space makes the suite feel more elevated, functional, and luxurious. A bonus room adds even more versatility for a home office, hobby space, or additional storage. Solar panels also provide a practical everyday benefit by helping keep electric costs lower. Beyond the home itself, the community adds to the appeal with amenities that include a pool, playground, trails, dog parks, and sidewalks throughout the neighborhood. The location offers convenient access to shopping, dining, major roadways, and Central Florida attractions, including Disney, allowing you to enjoy both everyday convenience and the best of the surrounding area. With its bright interior, thoughtful layout, and lifestyle driven location, this home offers a wonderful opportunity to settle into a space that feels both functional and welcoming. Schedule your private showing or reach out for more information!
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.
