ELECTRICALLY UPGRADED MOVE-IN READY HOME IN PRIME PFLUGERVILLE COMMUNITY OF AUSTIN, TEXAS! Beautifully maintained and thoughtfully upgraded, this home offers comfort, efficiency, and flexible space for modern living. Perfect for families, remote professionals, and anyone who values quality improvements in a prime neighborhood setting. MAJOR HOME UPGRADES • Recently replaced 3-ton air conditioning system • Entirely new ductwork for improved airflow and efficiency • Attic fan and full-home insulation for year-round comfort • Finished, insulated, and painted garage — previously equipped with a mini-split A/C and ready for reinstallation. Ideal for a workspace or creative studio. ELECTRICAL & GRID-SAFETY IMPROVEMENTS • Extensively upgraded electrical systems designed for safety, reliability, and generator readiness: • Added garage electrical panel breakers and expanded outlet capacity • Dedicated circuit and disconnect for garage mini-split A/C condenser • Generator interlock kit and exterior inlet for backup power readiness • Repaired and secured Ufer ground connection • Installed dual grounding rods tied to main panel • Whole-house surge protector installed on main panel LOCATION & LIFESTYLE • Directly across from the private community playground and resort-style swimming pool • Just a 5-minute walk to top-rated Weiland Elementary School • Ideal lot size for outdoor living, entertaining, gardening, and relaxing. INTERIOR FEATURES • Dedicated office space • Fresh interior paint • New hard-surface flooring throughout Plus ample driveway parking and added privacy for peaceful living Welcoming and secure community with family-friendly events, including movies in the park, Easter, Halloween, and Christmas Each community entrance and exit uses Flock Security System in partnership with Travis County Sheriff’s Department This move-in ready home blends smart upgrades with everyday comfort in one of Pflugerville’s most desirable family-friendly areas.
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.
