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12506 Prude Rnch

San Antonio, TX 78254

3 beds · 2 baths · 2,086 sqft

$299,900

$2,685/mo at 6.016% with Roam

$2,838/mo at 7% with a bank loan

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About this home

Discover the perfect blend of style and comfort in this beautiful 3-bedroom, 2-bathroom home with additional game/media room. This property offers plenty of space for both relaxation and entertainment at over 2,000 square feet. Enjoy a light-filled open layout that includes a comfortable family room, cozy dining area, and a dedicated home office/study. Equipped with gas stove, built-in microwave, dishwasher, and garbage disposal. The large island-complete with a sink-makes meal prep and casual dining a breeze. The spacious primary bedroom features charming bay windows that invite natural light. A walk-in closet provides generous storage, and the en-suite bath includes double vanities, a garden tub, and a separate shower-perfect for unwinding at the end of the day. Each additional bedroom offers plentiful closet space and easy access to the full guest bath with a tub/shower combo. A private second-floor space comes with its own thermostat, making it perfect as a game room, playroom, home office, or media room-tailor it to fit your lifestyle. Step outside to a fenced backyard complete with a covered porch and extended wood deck, ideal for hosting gatherings or savoring quiet mornings. Nestled in a sought-after neighborhood near Alamo Ranch shopping and Stillwater Ranch amenities, you'll have convenient access to resort-style pools, sports courts, a fitness center, and scenic trails. Commuting is easy with major highways just minutes away. Schedule your private tour of 12506 Prude Ranch today and discover a place you'll be proud to call home!

2,086 sqft
0.115 acres
Single Family
Built in 2010
2 car garage
Air conditioning
Shared pool

Source: SABOR #1849471


$2,685/month
Compared to $2,838/mo with 7% bank loan

$254,915
23y 1mo
6.016% 7%
$175,727 at 5% (FHA)
$79,187 at 8.125%

Payments are estimates and subject to approval. To learn more about rates, contact us.


5-year savings

Compared to a conventional mortgage
Roam
Bank
Principal & interest
$1,704
$1,857
Property taxes
$522
$522
Mortgage insurance
$141
$141
Home insurance
$257
$257
HOA fees
$60
$60
Monthly total
$2,685
$2,838
5-year total
$161,131
$170,338

Loan details
Loan type
FHA
Remaining balance
$175,727.13
Remaining term
23 yrs and 1 mo
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.

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Last updated: Aug 16, 2025 01:07 am
Listing agent: Everett Quintana (210) 504-8576
Listing provided courtesy of: RE/MAX Alamo Realty (210) 682-9898
Details provided by SABOR and may not match the public record.
MLS ID: #1849471
The data relating to real estate for sale on this website comes in part from the Internet Data exchange (IDX) program of the San Antonio Board of REALTORS®. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Real estate listings held by brokerage firms other than Everystate, are indicated by detailed information about them such as the name of the listing firms. Information deemed reliable but not guaranteed. Copyright © 2025 San Antonio Board of REALTORS®. All Rights Reserved.
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