End-Unit Garage Townhome with Fresh Updates Welcome to 9864 Decatur Rd, an end-of-row townhome in Miramar Landing offering the space, updates, and everyday convenience buyers are looking for. With 3 bedrooms, 2.5 bathrooms, over 2,000 square feet, a 1-car garage, and a freshly improved outdoor space, this home is move-in ready with thoughtful updates inside and out. Major exterior improvements add even more value and peace of mind, including a roof replaced in February 2024 with lifetime warranty shingles, a composite deck replaced in fall 2024, and a rear retaining wall and lower patio completed in spring 2025. Fruit trees were also planted in 2025, along with two blackberry bushes and one blueberry bush, while perennials in the front garden are designed to return year after year with minimal effort from the next owners. The main living areas offer a comfortable layout designed for both daily living and entertaining. The kitchen features generous cabinetry, gas cooking, an island, and easy flow into the adjoining living and gathering spaces, creating a natural place to cook, connect, and unwind. The stove was replaced in August 2023, and the garbage disposal was replaced on June 25, 2026, adding to the list of practical updates throughout the home. Step outside to the composite deck, ideal for morning coffee, grilling, or enjoying quiet evenings at home. The rear retaining wall and lower patio add function and curb appeal to the backyard setting, giving the outdoor area a refreshed and finished feel. The recently remodeled basement adds even more flexibility with new paint, new flooring, and a water heater replaced in spring 2024. Whether used as a rec room, home office, media space, workout area, or guest overflow, this finished lower level gives the home room to grow with your needs. The fireplace was repaired in January 2026, creating another inviting feature for the lower-level living space. Upstairs, the home features three bedrooms, including a comfortable primary suite with private bath. Two additional bedrooms and a full hall bath complete the upper level, while the attached garage and driveway parking add convenience that is always appreciated. Additional garage improvements include overhead garage lights installed in spring 2024 and a 50 amp Level 2 EV charger outlet installed in fall 2022. Enjoy a convenient Middle River location close to everyday shopping, dining, outdoor recreation, and commuter routes, with quick access to Martin State Airport/MARC Station (approx. 2.5 miles), Bengies Drive-In Theatre (approx. 4 miles), Gunpowder Falls State Park/Hammerman Area (approx. 6 miles), Marshy Point Nature Center (approx. 6.5 miles), The Avenue at White Marsh (approx. 7 miles), White Marsh Mall (approx. 7 miles), Eastern Regional Park (approx. 8 miles), and Rocky Point Park & Beach (approx. 9 miles). With fresh updates, generous square footage, an improved outdoor living area, and the added value of an end-unit position, this Middle River townhome is ready to welcome its next owner. Schedule your private tour today.
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.
