124 Caughman Ridge Rd Columbia, SC 29209
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About this home
Welcome home to this beautifully maintained 3-bedroom, 2-bath ranch-style home in the heart of Columbia, SC—offering comfort, convenience, and classic Southern charm in every detail. With 1,220 square feet of smartly designed living space, this home is ideal for those seeking easy, single-level living with modern touches throughout.Step up to the covered front porch, perfect for morning coffee or unwinding after a long day. Inside, you’re greeted by a spacious living room with a cozy fireplace and ceiling fan, creating a warm, welcoming atmosphere. To the right, you’ll find two comfortable bedrooms and a full bath—great for family, guests, or a home office.Continue straight into the bright, open kitchen, featuring ample cabinet space and a convenient washer and dryer hookup tucked inside a nearby closet. The adjoining dining area flows seamlessly to the backyard through sliding glass doors, making entertaining easy and inviting.Tucked away on the right side of the home, the primary suite offers privacy and comfort with a refreshed master bathroom and a spacious walk-in closet—your own private retreat.Out back, enjoy a privacy-fenced yard—perfect for pets, play, or weekend barbecues. The vinyl siding exterior keeps maintenance simple so you can spend more time enjoying the lifestyle you love.Located near I-77, Lowe’s, Walmart, and zoned for Richland School District One, this home combines everyday convenience with a peaceful neighborhood setting.Whether you’re a first-time buyer, downsizer, or investor, this move-in-ready ranch delivers the perfect blend of style, function, and location. Don’t wait—schedule your showing today and see why this Columbia gem feels like home from the moment you arrive! Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.
Source: COLUMBIASC #620517
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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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.