5815 Medina Dr Killeen, TX 76542
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About this home
Amazing 4-Bedroom Home with Split Master Layout | Newer Roof, HVAC & More | 0.29 Acres Spacious 4-bedroom home featuring a desirable split floorplan with the master ensuite privately located in the back corner on the north side, and three secondary bedrooms with a full bath on the south side. Ideal for Soldiers & Veterans – Just 10 minutes to the front gate and 5 minutes to the SW gate, offering access to gym facilities, swimming pool, 1/16-mile indoor track, 2 basketball courts, 2 racquetball courts, and full weight room with machines. Also only 5 minutes to Lions Park for additional public amenities. Quiet location with no rear neighbors. The property consists of two parcel IDs totaling 0.29 acres. Lot extends beyond the chain-link fence, across a seasonal creek (maintained by the City), all the way to the back treeline with a barbed wire fence. Sellers have added 3 yellow apple trees and 2 pear trees along the rear fence. This beautiful brick veneer home includes a spacious covered patio, perfect for peaceful mornings and evenings. Inside, enjoy brand-new flooring throughout (no carpet), new stainless steel appliances, a cozy bay window breakfast nook, and a breakfast bar on the opposite end of the kitchen. The master ensuite offers his-and-hers walk-in closets. Recent updates include: Complete HVAC system (2025) Water heater (2024) High efficiency double-pane windows (2024) Updated light fixtures, doorknobs, switch plates, and outlet covers. New Toilets & Faucets in both Bathrooms New solid wood cabinets doors with soft close hinges in Kitchen & both Bathrooms Roof (2023) Prime location less than 1 mile from HEB Superstore, minutes to Walmart, restaurants, and local shops. Solar panels will be paid off at closing for long-term energy savings. Buyer Requirements: Sellers request conditional loan approval for financed offers and proof of funds for cash offers. Please see attached documents.
Source: CENTRALTEXAS #594640
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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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