2401 Vidalia Ct Waldorf, MD 20601
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About this home
Step into spacious comfort at 2401 Vidalia Ct. This inviting 5-bedroom, 3-full-bath plus ½-bath colonial, built in 2001 and offering approximately 2,767 sq ft of living space, delivers the ideal blend of family-friendly layout and stylish finishes. Upon entry, you’ll find a large formal living room and dining room — perfect for hosting holidays or family gatherings. A bright, renovated kitchen featuring granite countertops, stainless-steel appliances and ceramic tile flows directly into the cozy family room with a fireplace, creating a seamless environment for both everyday living and entertaining. The upper level holds four generous bedrooms and two full baths, ensuring space and comfort for everyone. The fully finished lower level includes the fifth bedroom, another full bath and a second fireplace — creating an excellent guest retreat, home office, or recreational space. Outside, enjoy a deck overlooking a wooded lot, a widened extended driveway, and a two-car garage! All combining to offer both convenience and privacy. Located in the desirable 20601 ZIP code with convenient access to major commuter routes, shopping and dining, this home presents not only lifestyle value but long-term investment potential. At 2401 Vidalia Ct, you’ll find room to grow, relax and entertain with ease.
Source: BRIGHT #MDCH2048600
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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.