316 Edgecroft Way Fuquay Varina, NC 27526
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About this home
FHA Assumable Loan at 3.125 rate for 30 yrs (must qualify with PHH for assumption). If you've been scrolling past houses that are too small, too dated, or just...meh, stop here. Edgecroft delivers the space, upgrades, and neighborhood vibes young families dream about. With a brand-new 2025 roof, shiny new stainless kitchen appliances, and a 2022 water heater, the big-ticket items are already checked off your list, so you can unpack without budgeting for surprise repairs. Inside, the open-concept floorplan actually makes sense, with light-filled living spaces that flow seamlessly for everyday life and weekend gatherings. The family room is the heart of the home, complete with custom built-ins and an accent wall worthy of Pinterest bragging rights. The kitchen is open to the main living areas and stocked with abundant oak cabinetry and a large pantry, so you'll have storage for days and room for those epic Costco hauls. A roomy laundry, drop zone, and generous closets mean there's space for all the ''stuff'' that comes with family living, and ceiling fans throughout keep comfort on autopilot. And here's the good news: all the appliances convey! Yay! Upstairs, the expansive primary suite is your personal escape hatch, featuring cathedral ceilings, a soaking tub, and a walk-in closet large enough to hide holiday presents—or yourself, if needed. Out back, you'll find a fully fenced yard for pets, and playdates, plus a shaded deck, so you can enjoy outdoor time without melting in the summer sun. And the location? Only 8 minutes to Downtown Holly Springs, 7 minutes to Fuquay-Varina, and a quick 30 minutes to RDU. Add in easy access to parks, shops, dining, and entertainment, and you've got the total package: a roomy, stylish home in a great neighborhood, full of good energy and everyday convenience.
Source: TRIANGLEMLS #10118363
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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.