2039 Pershing Blvd Dayton, OH 45420
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About this home
Welcome to this inviting Belmont beauty featuring 3 bedrooms, 2.5 bathrooms, and a thoughtful layout designed for both comfort and convenience. Walk through the front door and you'll be greeted by the living room where you'll find lots of natural light and a cozy, decorative fireplace as its focal point. The kitchen features stainless steel appliances and is open to the dining room, providing you plenty of space to move around with ease. The primary suite is located on the main floor. You'll fall in love with the incredible walk-in closet and spa-like en-suite with a walk-in shower and luxurious heated tile flooring. The laundry room has been relocated to the main floor for convenience, and the half bath has been updated. Upstairs features 2 more bedrooms with newer carpet and paint and a full bathroom. The full, unfinished basement provides plenty of room for storage, a home gym, or whatever you can dream up! Car lovers will be thrilled with the oversized 2-car garage and ample parking, ideal for multiple vehicles, hobbies, or a workshop. Outside, enjoy quiet mornings or evening relaxation on the large covered front porch, the perfect spot for sipping coffee or unwinding at the end of the day. This home truly blends classic Belmont charm with modern amenities—don’t miss your chance to call it your own!
Source: DAYTON #943074
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.