Welcome to Country Creek, one of Vienna’s most desirable townhouse communities, located in the sought-after Oakton High School pyramid and served by award-winning Mosaic Elementary School, a Blue Ribbon School and AAP center. Enjoy unbeatable convenience with the Vienna Metro just a 10-minute walk away and easy access to Nottoway Park’s sports courts, trails, farmers market, and picnic areas. This beautifully maintained and updated 3-bedroom, 3.5-bath townhouse features abundant natural light, fresh paint, hardwood flooring on the main level and stairs, upgraded bedroom and basement flooring (2023), recessed lighting upgrades on all 3 levels (2023–2024), and thoughtful built-ins for added storage. Major updates include a brand-new HVAC system (2026), water heater (2024), washer and dryer units (2026), plus a freshly painted and power-washed deck with additional outdoor storage. The kitchen offers stainless steel appliances, a brand-new refrigerator (2026) and microwave (2026), granite countertops, and marble tile flooring. The fully finished and remodeled basement (2024) with a full bath provides flexible space for guests, recreation, or a home office. The home includes two assigned parking spaces by the entrance and ample visitor parking. Move-in ready and ideally located near Oakton Library, Oakmont Rec Center, Mosaic District, W&OD Trail, and downtown Vienna. A rare opportunity combining top-rated schools, modern updates, and exceptional commuter convenience in the heart of Vienna.
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.
