54 Cumberland Dr NE Ludowici, GA 31316
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About this home
No Tricks, Only Treats from this home! Seller offering $10,000 in seller concessions with a full-price offer if received by 11:59pm on Friday, November 7, 2025. This offer takes the scare right out of buying your next home! Spacious home with thoughtful layout & room for everyone on over an acre! Upon entry, youll be greeted by the two-story foyer where an abundance of natural light coming from the arched window above the front door & bay window in the formal dining room are sure to make you smile. The wainscoting trim & coffered ceiling add the perfect touch of sophistication in the dining located off of the kitchen through an arched entry. Entertain seamlessly from the formal dining into the kitchen which opens up to the great room and breakfast area & even continues onto LARGE screned-in back patio through the back door. The mudroom and laundry room are conveniently placed at the garage entry. The downstairs bedroom & full bathroom with shower makes for a private guest area. Upstairs you will find 2 more bedrooms with ample space & full bathroom. The master is a true suite featuring a sitting area, elegant tray ceiling and ensuite bathroom with separate vanities flanking either side of the garden tub, private water closet & 2 walk-in closets. Schedule a tour today so you can start planning your gatherings in the large privacy fenced backyard complete with a separate fenced area for pets!
Source: GAMLS #10593849
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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.