5792 Todd St Milton, FL 32571
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About this home
OPEN HOUSE WEDNESDAY NOVEMBER 5TH FROM 2PM TO 5PM. You will feel right at home as you walk up the steps to the covered front porch with a swing to sit and enjoy your company. This 1.5 story 3 bed 2 bath farm style home sits on a one acre lot and is freshly painted and updated. The metal roof was installed in 2017, the HVAC in 2016, and the Water Heater in 2019. There is an electric vehicle charging station located on the right side of the house. The 2-year-old inground saltwater fiberglass pool with a 2-year-old screen enclosure is a wonderful way to cool off on those hot summer days. You'll love the pavers surrounding the pool, and... a Polaris is included for easy cleaning. The kitchen has tiled countertops and stainless appliances as well as a whole house water filtration system. There is an open pass through to the dining room with a breakfast bar and room for 4 stools. The spacious living room and all bedrooms have brand new wall to wall carpet installed Sept 30, 2025. LVP flooring covers the rest of the home. The laundry room is located near the side door with newer model washer and dryer which convey. The washer has an ionizer attached which adds more bubbles to the water rand cuts down the amount of detergent required. Upstairs is a large 14' by 20' loft that overlooks the formal dining room. The detached garage is 22' by 23' with room galore for storage, tools, and your favorite cars. Place this home at the top of your list to tour.
Source: PENSACOLA #671724
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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.