3805 West Dr North Dinwiddie, VA 23803
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About this home
This beautifully renovated ranch home is nestled on a quiet cul-de-sac in a peaceful country setting, offering the perfect blend of charm, modern updates, and convenience. With over $30K in recent improvements, the home features a newly remodeled kitchen with gorgeous quartz countertops, subway tile backsplash, and state-of-the-art stainless-steel appliances—all included, even the washer and dryer. The spacious great room provides flexibility for a second living area, media room, or entertainment space, while the front family room is bathed in natural light from a large picture window. The home boasts three bedrooms, an eat-in kitchen, pantry, and stunning LVP flooring throughout—scratch and water resistant for durability. One of the standout features of this property is the large, detached garage and workshop, complete with electric, a large workspace, and an attached wood shop—perfect for hobbyists, craftsmen, or anyone in need of serious storage and creative space. Outside, enjoy a handcrafted brick BBQ and newly installed gutter guards with a lifetime warranty. Located just minutes from Chesterfield County and less than a mile from the heart of Dinwiddie’s shops and restaurants. Just a short walk to the Appomattox River. Eligible for USDA financing with no money down, this move-in ready retreat offers country living with small town convenience. A third bedroom was recently added and is not currently reflected in tax records.
Source: CENTRALVIRGINIA #2527481
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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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