This expansive three-level townhome offers over 2,900 square feet of beautifully finished living space, enhanced by 10-foot bump-outs on every level. Enjoy peaceful wooded views backing to Blooms Park, where you can relax from your bedroom, home office, or private patio while surrounded by nature. The main level is designed for both everyday living and effortless entertaining, featuring an open-concept layout that seamlessly connects the kitchen, dining, and living areas, along with a versatile sitting space and convenient half bath. The kitchen is a standout with granite countertops, a 6-burner gas stove, stainless steel appliances, and a pantry. Hardwood floors, crown molding, and recessed lighting add warmth and sophistication throughout. Upstairs, brand new luxury vinyl plank flooring leads to a spacious primary suite complete with two walk-in closets and a spa-like bath featuring a dual vanity, soaking tub, a separate shower and a water closet. Two additional bedrooms share a well-appointed hall bath, and the upper-level laundry includes a newer washer and dryer for added convenience. The fully finished lower level impresses with high ceilings, a cozy gas fireplace, a full bathroom, and sliding glass doors that open to the backyard, along with direct access to the garage. The two-car garage includes two separate storage rooms, plus an extended driveway that accommodates two additional vehicles. Major updates include freshly painted (all three levels since 2024), new roof (June 2024) and hot water heater (Oct 2025). Enjoy summer days at the community pool and take advantage of the home’s prime location—just a short walk to the Virginia Railway Express for an easy commute to Washington, D.C. You’ll love being close to local favorites including Harris Pavilion, Old Town Manassas, Jiffy Lube Live, and 2 Silos Brewing Co.—with shopping, dining, farmers markets, trails, parks, and year-round entertainment just minutes 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.
