15632 Northgate Dr Dumfries, VA 22025
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About this home
Tucked behind mature trees in Montclair, this home offers comfort and modern updates just minutes from shopping, schools, and commuter routes. Recent improvements include: Primary bath remodel (2025), New laundry room and solid-core doors (2025), Vinyl flooring on lower level (2024), New roof and attic insulation (2021), Trex deck with RainEscape system (2022), Hot water heater (2024) The main level features oak floors, custom blinds (2020), and a wood-burning fireplace on the bottom level, serviced annually by American Chimney Sweeps. Outdoor living shines with a 20x12 deck among the trees, a dry covered patio, and a fully fenced yard with a 10x12 lofted shed (2019) and cedar raised garden beds. With four bedrooms, three full baths, and ample storage throughout — including garage shelving, attic, and laundry cabinetry — this home is as functional as it is inviting. Located on a quiet double cul-de-sac, residents enjoy Montclair’s amenities! Montclair is an exceptional community that blends natural beauty, outdoor adventure, and family-friendly amenities. At its heart is the stunning Lake Montclair, a serene, man-made lake created from Powell’s Creek and offering residents three picturesque beaches—Beaver Landing, Dolphin Beach, and West Beach. Each provides its own mix of tree-shaded picnic spots, fishing piers, sports courts, playgrounds, boat access, and scenic views, giving families countless ways to enjoy the water from dawn to dusk. Beyond the lake, Montclair continues to shine with thoughtfully designed parks and recreation areas. Kids’ Dominion offers a vibrant, pavilion-shaded playground perfect for young families, while Hockersmith Park features open fields and basketball courts ideal for casual sports and community gatherings. Even four-legged family members have their own dedicated oasis at Victory Dog Park, available exclusively to MPOA recreation passholders. With its blend of lakeside charm, well-maintained parks, and welcoming community spaces, Montclair stands out as a truly amazing place to live, play, and connect. 15632 Northgate Drive offers a rare combination of thoughtful updates, peaceful surroundings, and a truly move-in-ready lifestyle.
Source: BRIGHT #VAPW2107038
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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.
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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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