12302 Calvert Helotes, TX 78023
Your savings
About this home
VA Assumption Available! Nestled behind the gates of the prestigious Shadow Canyon community, this exceptional custom Janus Home is a Hill Country retreat that blends tranquility, modern design, and everyday convenience. Set on over 1.5 acres of lush, private grounds, the residence features more than 2,700 square feet of thoughtfully crafted living space with soaring ceilings, refined finishes, and flexible living and dining areas ideal for both quiet evenings and grand entertaining. The gourmet kitchen impresses with expansive countertops, gas cooking, and a dedicated coffee/wine bar-all designed to meet the needs of the modern host. Walls of windows flood the home with radiant natural light and frame breathtaking Hill Country views, seamlessly blending indoor and outdoor living. The expansive primary suite, located on the main level, offers a peaceful retreat with a spa-inspired bath, dual vanities, a deep soaking tub, separate walk-in shower, and an oversized walk-in closet. An aesthetically pleasing long driveway leads to the side-entry oversized garage, complete with an EV charging station, adding both elegance and function to your arrival experience. Outside, enjoy serene mornings and sunset entertaining from the large covered patio, overlooking a sprawling backyard with multiple outdoor living areas and plenty of space to design your dream pool. Recent updates include new flooring and an on-site EV charger. Private tours available by appointment-experience the privacy, luxury, and Hill Country beauty that define Shadow Canyon and 12302 Calvert.
Source: SABOR #1867132
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
If you find a better price on any home, we’ll match it.
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.