Fall in love with the STUNNING LAKE AND GOLF COURSE VIEWS that frame this immaculate 3/2/3 Kingston model, perfectly positioned on a premium Buckhead lot in the highly sought-after 55+ Del Webb community of Stone Creek. From the moment you arrive, the upgraded landscaping and beautiful curb appeal set the tone for the quality you’ll find throughout this home. Step inside to sun-filled living spaces, 9’ ceilings, and an immediate, breathtaking view of the shimmering lake and rolling fairways beyond. The split floor plan offers both functionality and privacy, while a host of recent upgrades add comfort and sophistication—crown molding, plantation shutters throughout, granite countertops, upgraded backsplash, and new Whirlpool appliances in the kitchen. The spacious primary bedroom features sunroom access, a large walk-in closet, dual sinks, a garden tub, and a newly remodeled shower. One of the most treasured features of this home is the enclosed, heat & air-conditioned sunroom — the perfect place to enjoy your morning coffee or unwind with a sunset cocktail, comfortably, year-round. Just beyond, the pavered patio invites you to grill, entertain, or simply relax while soaking in the sweeping water and golf course views—truly the showstopper of the property. For hobbyists or those needing extra storage, the epoxy-coated 3-car (2 + golf cart) garage offers ample space and a pristine finish. Additional highlights include a new HVAC (2022) and new roof (2023), giving peace of mind for years to come. Stone Creek provides genuine resort-style living, with amenities including a championship golf course, restaurants, pools, spa and fitness center, walking trails, pickleball and tennis courts, and a vibrant year-round social calendar. Ideally located just minutes from Sholom Park, SR 200’s shopping, dining, and medical facilities, and the renowned World Equestrian Center, where you can enjoy fine dining and entertainment throughout the year. You’ll also love being only 20 minutes to Downtown Ocala or the Rainbow River in Dunnellon, less than an hour to Gainesville, and slightly over an hour to the Tampa, Orlando, or Daytona airports, theme parks, and beaches. Live the lifestyle you deserve—where every day feels like a retreat and everything you love is just moments away
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.
