3228 Emmett St Dallas, TX 75211
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About this home
Welcome to 3228 Emmett Street, a well-maintained 1954 home set on a corner lot in the heart of Oak Cliff. Offering 3 bedrooms and 1 full bathroom within the main house plus an additional permitted studio apartment, this property combines vintage character with smart updates and functional versatility. The home itself provides 936 square feet, while the studio conversion adds another 500 square feet, bringing the total living area to approximately 1,436 square feet. Inside, you’ll find a welcoming layout designed for both comfort and convenience. The main living areas showcase an inviting atmosphere, while the bedrooms offer flexibility for everyday use or work-from-home needs. The seller notes that this home has always been a place of comfort, safety, and belonging, with space to truly relax and recharge. A private driveway and generous backyard create opportunities for outdoor enjoyment, entertaining, or simply unwinding in your own green space. The garage conversion was completed with permits and now serves as a fully finished studio featuring its own kitchen and bathroom. Recently remodeled, this flexible space can be used as a guest suite, rental option, or creative workspace. The seller has installed new appliances in the studio to make it move-in ready. Offered as is, this property provides a unique opportunity to add value while enjoying the benefits of a recently updated secondary living area. Located minutes from dining, shopping, and entertainment, this home places you close to everything Oak Cliff has to offer. With a balance of original charm, thoughtful improvements, and a prime location, 3228 Emmett Street is ready for its next chapter. Property is being sold- As Is. Bundled service pricing available for buyers. Connect with the listing agent for details.
Source: NTREIS #21058046
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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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