612 E Plymouth Ave Deland, FL 32724
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About this home
Down Payment Assistant Program's available with our preferred lender. Get into a fully renovated home in Historic Deland with little to no money down. Move right in to this beautifully updated 2-bed, 2-bath corner-lot home, just 5 minutes from Downtown DeLand. With 1,125 sq. ft. of open, sun-filled living space, it blends modern upgrades with classic Florida charm. Inside, enjoy brand-new luxury vinyl plank flooring, fresh paint, stylish fixtures, and a reimagined kitchen featuring a center island, sleek cabinetry, and new stainless steel appliances. The spacious living room boasts a wood-paneled ceiling, cozy fireplace, and French doors to a private brick patio. Bathrooms are fully updated with modern tile and vanities. Exterior upgrades include a new concrete driveway, modern garage door, fresh gutters, and paved side yard. The backyard is perfect for gardening, entertaining, or expansion. Location Highlights: Walk or bike to Historic Downtown shops, cafés, and Athens Theatre Near Stetson University and cultural events Surrounded by parks, trails, and preserves Minutes to Publix, Aldi, Walmart, and top dining spots Quick access to SunRail/Amtrak – Orlando is just a short train ride away Perfect for first-time buyers, downsizers, or investors seeking a high-quality rental, Padsplit or Airbnb. Seller will provide a $5,000 credit to the buyer to reduce closing costs. Call today for a private showing.
Source: STELLAR #O6324640
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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.