2817 Cains Mill Rd Sumter, SC 29154
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About this home
Custom All-Brick Home on Nearly 3 Acres! Tucked away in a quiet part of town yet conveniently located near Shaw Air Force Base and local shopping, this spacious custom-built home offers the perfect blend of privacy and accessibility. Boasting high ceilings, abundant natural light, and an impressive layout, this home features 5-bedrooms, 4-full bathroom, 3 half baths and over 4700 sq ft of living space. As you step inside, you're welcomed by a spacious foyer adorned with elegant marble flooring, setting the tone for the rest of the home. The living room is a showstopper, featuring a cozy gas fireplace, soaring 20-foot ceilings, skylights that flood the space with natural light, and beautiful eucalyptus hardwood flooring. The generously sized eat-in kitchen is a chef’s dream, complete with granite countertops, a gas cooktop, included appliances, and a seamless connection to the formal dining room. The owner’s suite is a true retreat, thoughtfully located on the main floor for convenience and privacy. This spacious room features vaulted ceilings and large windows that fill the space with natural light. Generous walk-in closets provide plenty of storage, while the en-suite bathroom is designed for comfort and style—complete with a double vanity, soaking tub, and a separate walk-in shower. Also located on the main level is a second bedroom with its own private bath—ideal for guests or multigenerational living. Two additional bedrooms share a convenient Jack and Jill-style bathroom, making the layout perfect for families. Throughout the home, you’ll find abundant storage and closet space, offering both organization and ease of living. Recent upgrades include brand-new heat pumps and gas tankless water heaters. Enjoy a fully fenced backyard with power and water access extended to the rear of the property—ideal for outdoor projects or future additions. The home is also wired for solar power (breaker box installed) and comes equipped with a 15kW propane backup generator and a 200 lb tank, capable of powering the home for days. With space to grow and entertain, this one-of-a-kind property is a must-see for families or anyone seeking room to live, work, and relax! Di Disc
Source: COLUMBIASC #609907
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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.
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