10128 Highland Prairie Ln Forney, TX 75126
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About this home
USDA Eligible - Beautifully updated home in Forney Texas offering three bedrooms, two bathrooms, and a versatile flex space. The open concept design creates a seamless flow throughout the main living areas. The home was fully remodeled in 2017 including floors, foundation, bath, and kitchen, and it features stunning prefinished engineered hand scraped floating wood flooring, fresh interior and exterior paint in 2024, and a new roof in 2023. The AC system is well maintained for peace of mind. This property is situated on just over an acre and provides the benefits of Talty water and no city taxes. Natural gas service and a radiant barrier in the attic keep utility bills low. The spacious two car garage, extra slab for a future shop, and allowance for chickens make this property both functional and flexible. Inside you will find large bedrooms with ten foot ceilings. The primary suite boasts a bay window, private patio access, dual sinks, an oversized shower, and his and her closets. The covered back porch creates the perfect setting for summer barbecues and outdoor relaxation. A large barn style storage shed remains with the property. The location offers easy access to schools, dining, shopping, and entertainment. Forney continues to grow rapidly with a new hospital, HEB grocery, and many more amenities on the way. This home qualifies for USDA financing. Do not miss your chance to own this beautiful property in the county with endless potential, schedule your showing today.
Source: NTREIS #21068770
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FAQs
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.
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