12814 Poquoson Dr Austin, TX 78727
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About this home
Welcome to your modern retreat in the heart of North Austin. This fully renovated single-story home pairs timeless comfort with designer sophistication—offering light-filled spaces, vaulted ceilings, and a warm, organic flow throughout. The open living area features a stucco fireplace, smooth walls, and rich wood-look luxury vinyl flooring, seamlessly connecting to a chef-inspired kitchen with quartz countertops, new solid wood cabinetry with custom white-oak accents, marble tile backsplash, and upgraded Cosmo stainless-steel appliances. Perfect for both daily living and entertaining. The primary suite is a true escape, featuring a spa-like bathroom with dual vanities, quartz counters, a walk-in shower with a built-in bench, and modern black fixtures. Two additional bedrooms and a beautifully updated full bath offer versatility for guests, family, or a home office. Outside, enjoy your private backyard oasis—complete with a shaded covered patio, fresh sod, new irrigation, designer lighting, and mature trees that provide both beauty and privacy. Updated in 2025 with new roof, HVAC, tankless water heater, windows, lighting, and interior finishes. All of this is just minutes from Apple, Dell, IBM, Indeed, The Domain, Q2 Stadium, and North Austin’s best dining and shopping, with easy access to Mopac, Hwy 183, and Parmer Lane. Pre-inspected so you can offer with confidence. Items noted in the inspection have been addressed—please reach out for a copy or additional details. *No Survey*
Source: ACTRIS #8603373
Loan details
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Close stress-free in 45 days, handled start to finish by Roam.
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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.