9021 Joi Dr Henrico, VA 23228
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About this home
WELCOME TO HUNGARY RD.ESTATE ....This spacious and versatile home is full of potential and ready for your personal touch. Plenty of room to grow! This home features 4 bedrooms, 2 full baths (Tax records state 3 bedrooms 2 full baths, with bonus room on the 4th level-converted to bedroom with closet and original hardwood floors). As you enter the main level, you walk into a formal foyer area with new flooring: to the left you enter the family room with a cozy fireplace; new flooring. On the same level, there is a full bath with tub and shower, and a laundry room ---newly installed hot water tank (2025). The 2nd level features formal living room and dining room with original hardwood floors; eat-in-kitchen with new flooring and new bottom kitchen cabinets- 3rd level features 3 nice size bedrooms, hardwood floors throughout (newly re-stained) and a 2nd full bathroom with tub an shower (new flooring installed 2025)-4th level features fourth bedroom with closet and hard wood floors- newly re-stained (2025); new HVAC (2025); new roof install 8 to 9 years ago. Steel front door!! The back yard is a nice size (partially fenced), large enough for a garden, firepit and so much more. The property extends over the back fence. Check tax record to confirm how much! (possibly a few feet per Seller). This charming home and sought after neighborhood is conveniently located to I95 and 295, the up upcoming Green City project near Virginia Center Commons, shopping and so much more.
Source: CENTRALVIRGINIA #2524227
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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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