319 E 13th St Ada, OK 74820
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About this home
STEP INTO CHARM AND COMFORT with this 3-bedroom, 1-bathroom bungalow nestled at the end of 13th Street in Ada Schools. Built in 1928, this home has been lovingly updated while still preserving its character. Inside, you will find restored original hardwood floors, a spacious living room with a cozy decorative fireplace, and a large dining area perfect for gatherings. The kitchen features white cabinetry, pantry storage, and comes fully equipped with a refrigerator and stove. A separate laundry area includes a washer and dryer that stay, making this home truly move-in ready. Recent improvements add peace of mind with a newer roof, updated electrical and plumbing, central heat and air, vinyl windows, and a new water heater. The thoughtful updates continue with fresh paint in bedrooms and living spaces, a remodeled bathroom, and personal touches that make this home feel warm and inviting. The covered front porch is perfect for relaxing, while the fenced backyard offers plenty of space for toys, pets, or evenings with friends. A detached one-car garage adds storage and convenience. At 1284 square feet (according to county records) and listed at just $135,000 ($105 per square foot), this property is offering incredible value for first-time buyers or those seeking a rental-ready investment. The sellers have cherished this home and the memories it holds, and now it is ready for a new chapter with its next owner. DON’T MISS THIS MOVE-IN READY OPPORTUNITY IN ADA! SCHEDULE YOUR SHOWING TODAY!
Source: MLSTECHNOLOGY #2539752
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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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