817 Church St Camden, SC 29020
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About this home
NO HOA! Welcome to your Dream Home in Downtown Camden, SC.This beautifully maintained property features 3 bedrooms, 2 full bathrooms, and sits on a full acre of land with no HOA restrictions. Conveniently located near shopping, dining, and entertainment—and just minutes from Shaw Air Force Base—this home is also within walking distance to all the charm and amenities of historic downtown Camden.Step inside to an open floor plan that flows seamlessly between the living, dining, and kitchen areas. The kitchen is equipped with newer appliances, combining modern style with everyday functionality. The open layout creates a warm, inviting space—perfect for family gatherings or entertaining guests.The owner’s suite is privately situated away from the secondary bedrooms. Recently updated with luxury vinyl plank flooring, it feels both spacious and contemporary. The ensuite bathroom features a tub/shower combination, providing a peaceful retreat at the end of the day.On the opposite side of the home, you’ll find two additional well-sized bedrooms and a full bathroom, creating a thoughtful split floor plan that ensures comfort and privacy for everyone.Outside, the property continues to impress with its large backyard on a full acre of land. This outdoor space is a blank canvas ready for your personal touch—whether you envision a garden, outdoor kitchen, or private recreation area. With no HOA restrictions, you have the freedom to create your ideal outdoor living experience.Highlights include:Walking distance to downtown Camden’s shopping, dining, and entertainment3 bedrooms, 2 full bathroomsNewer kitchen appliancesOpen floor plan with updated owner’s suite flooringSpacious backyard on 1 acre of landNo HOA restrictionsThis property presents a rare chance to own a home with land in the heart of Camden. Schedule your private showing today! Disclaimer: CMLS has not reviewed and, therefore, does not endorse vendors who may appear in listings.
Source: COLUMBIASC #619517
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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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