1668 N Central Dr Beavercreek, OH 45432
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About this home
Welcome home to this cozy 2-bedroom, 1.5-bathroom gem offering 1,200 square feet of comfortable living space on a serene half-acre corner lot in a quiet, friendly neighborhood. From the moment you arrive, you’ll be drawn to its rustic charm and inviting character, perfectly blending comfort and modern updates. Step inside to discover a thoughtfully remodeled kitchen featuring butcher block countertops, new ceiling and flooring, new refrigerator, stove, and dishwasher, and a new sink with water filtration system—ideal for those who love to cook and entertain. The updated plumbing and electrical systems, including a new electrical panel, provide peace of mind for years to come. Downstairs, the full unfinished basement is a blank canvas waiting for your creative touch—whether you envision a home gym, recreation room, or additional living space. It already includes important updates like new drainage, waterproofing, a sump pump, and professional mold remediation (with warranty and receipts), plus an updated half bath, new water heater, and new washing machine. Outside, you’ll love the oversized back deck, perfect for relaxing or hosting gatherings, and the spacious yard that offers room to garden, play, or simply enjoy nature. A detached garage complements the attached single-car garage, providing plenty of parking and storage options. With its combination of modern improvements, rustic charm, and endless potential, this home is ready for its next owner to make it their own.
Source: DAYTON #945670
Neighborhood
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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.