116 Whitetail Ln Hutto, TX 78634
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About this home
This meticulously maintained and heavily updated property sitting on .50 acre offers the perfect blend of comfort, functionality, and modern upgrades. The main home features recent improvements including a new roof, HVAC system (inside and out), HVAC ducts, insulation, water heater, and new bedroom/bathroom windows. Inside, you’ll find remodeled bathrooms with a stunning walk-in shower in the hallway bath, new sinks, faucets, flooring, toilets, and updated lighting throughout. The kitchen shines with stainless steel appliances, a microwave/oven hood combo, and recessed LED lighting. Additional upgrades include a custom front door, new entry door from the garage, back storm door, and fresh exterior paint. Step outside to enjoy a 16x32 oval pool, waterfall feature, tuff shed, built-in sitting area, new deck and privacy fencing on three sides—perfect for relaxing or entertaining. The property also includes permanent LED holiday lighting (app-controlled), security cameras, motion lighting, and a garage door opener for added convenience. For hobbyists or those needing extra space, the 30x40 insulated shop is a standout feature—complete with spray foam insulation, 120v/240v electrical, LED lighting, a 72" ceiling fan, and a loft area. The 12x16 tiny home is newly finished with insulation, drywall, electricity, windows, roof, and matching exterior paint, plus a 12x12 deck with a metal roof—perfect for guests, a home office, or studio. This property truly offers it all—modern updates, versatile spaces, and outdoor enjoyment—all in a great Hutto location.
Source: ACTRIS #1631279
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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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