6214 Bucket Ct Gibsonton, FL 33534
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About this home
Upgrades galore…fixtures, faucets, flooring, and more! Built in 2023, this energy-efficient three-bedroom, two-and-a-half-bath end-unit townhome features over $20,000 in upgrades. Some upgrades include an open concept foyer, a vanity in the half bath, LVP flooring throughout, a screened lanai, and smart ceiling fans. The oversized garage has a smart garage door with camera and battery backup, a generator port, an EV charging port, and ample storage. Stainless steel appliances and a large pantry make cooking a pleasure. The large owner’s suite features a large walk-in closet and an upgraded bath. Dug Creek offers a family-friendly environment with a playground, walking paths, and a pet area for your furry friends. There is a large pond and two smaller ones for resident use. If you’re looking for the beach, Apollo Beach is just a short bike ride away with restaurants, shopping, and relaxation in the sand and sun with your fur babies. No flood insurance required. The HOA maintains the outside premises, building insurance, and common areas, making this deal even sweeter. The buyer may assume the current FHA mortgage at 5.5% APR. Property is being sold at Mortgage Assumption Value and is well below market value. Currently Tenant Occupied until 5/31/2026. Great investment opportunity or for future move. Again, you may assume the 5.5% Mortgage with no money down other than closing/assumption cost.
Source: STELLAR #G5100959
Neighborhood
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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.