Welcome to 959 Heathrow Lane! Highly sought after end unit in the coveted the Townhomes of the The Fields in central Naperville. Spacious 3 level townhome offers privacy and is flooded with natural light and views from every window. You are welcomed in by the 2-story Living Room with unobstructed views. Ideal for entertaining or just enjoying cozy evenings by the gas fireplace. The separate Dining Room allows room for a buffet and a large table. Eat-in Kitchen with granite counters and an abundance of cabinets. Enjoy new (2025) stainless appliances with a 5-year transferable warranty. The oven and microwave both have convection or air fryer options. The bonus room on main level can be used as a Den or a TV room. Main level Laundry/Mud Room with cabinets and wall of counters is right off garage. Enjoy the serenity of the peaceful surroundings from the large deck that was power washed and painted in 2025. All 3 bedrooms are upstairs. The Master Suite is bright and spacious. Beautiful stained glass window and window seat offer a quiet retreat. Custom organizers in master closet. En suite bath has double sink vanity, whirlpool tub and separate shower. The other two bedrooms are good sized. The lower level is fully finished, providing additional living space that can serve as a family room, workout space or a guest retreat. Recent updates including sump pump and backup (2026), furnace fan (2026), some new siding, insulation and roof (2024), and a newly completed driveway (2022 and 2024), driveway replaced (2023). Many rooms were painted this spring. 959 Heathrow Lane has so much to offer -- generous storage space, abundant windows that stream in natural light, and the comfort of low maintenance living. The unbeatable location puts you within walking distance to shopping and dining.
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.
