Welcome to a home designed for real life. The kind of place where friends gather around the oversized kitchen island, kids spread out between the loft and living room, and quiet evenings end on the covered deck with a glass of wine and a Colorado sunset. This beautifully maintained Buffalo Highlands home offers over 3,200 total square feet, including 2,282 finished square feet and an unfinished basement ready for your future plans. From the moment you step inside, you'll appreciate the bright, open layout, abundant natural light, and warm engineered LVP flooring that flows throughout the main level. At the heart of the home, the spacious kitchen was built for gathering, featuring granite countertops, a gas cooktop, stainless steel appliances, a walk-in pantry, and an oversized island with plenty of room for meal prep, homework sessions, holiday baking, or casual conversations that somehow last for hours. Upstairs, a versatile loft creates the perfect second living space, home office, playroom, or media area. The generous primary suite offers a peaceful retreat at the end of the day, while walk-in closets, spacious secondary bedrooms, and upstairs laundry add convenience to everyday living. Outside, enjoy your morning coffee from the welcoming covered front porch or unwind beneath the covered back deck while overlooking the backyard. The unfinished basement provides nearly 1,000 additional square feet to create the home gym, guest suite, recreation room, or extra living space you've always wanted. Located just minutes from Denver International Airport, E-470, parks, trails, shopping, dining, and the future Rocky Vista High School, this home offers the space, comfort, and flexibility today's buyers are searching for in one of the area's fastest-growing communities. This isn't just a place to live. It's a place to spread out, settle in, and make yourself at home.
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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