VA loan
1 of 47
VA loan
$879,900 SIGNIN

Sign in to see required down payment for the 5.23% rate

13639 Salinas St, Venice, FL 34293

3 beds · 3 baths · 2,589 sqft

Welcome to this haven of contemporary luxury nestled within a gated community in Venice, Florida. This meticulously redesigned property boasts 3 bedrooms, 2.5 bathrooms, and a 2+ car garage with epoxy flooring, spread across a generous 2,589 square feet of heated/cooled living space. Upon entry, you're greeted by soaring 10-foot ceilings and natural light streaming through hurricane impact windows and 8-foot sliding doors, ensuring safety and tranquility during any weather event. The residence underwent a total reconstruction in 2022, from electrical and plumbing to drywall, offering peace of mind and modern convenience. Fresh interior and exterior paint, along with new appliances, enhance the allure of this immaculate home. The heart of the home is its chef's kitchen, featuring a large cooking island with built-in shelves and seating, complemented by quartz countertops and a reverse osmosis system. All cabinets have been customized, boasting pull-out shelves and soft-close mechanisms, enhancing both functionality and elegance in this culinary space. The adjacent laundry room boasts a sink and chute, adding convenience to everyday chores. The primary suite indulges with tray ceilings, while the master bath impresses with an oversized walk-in shower, built-in bench, and dual sinks. Outside, a large, oversized lanai invites you to unwind and envision your dream pool overlooking a private conservatory, providing serene privacy in a cul-de-sac setting. Additional golf cart parking with an extended garage caters to your recreational needs, ensuring ample space for your outdoor pursuits. Residents of this esteemed community enjoy an array of amenities, including internet, cable, lawn maintenance, and access to bocce ball, basketball, pickleball, and tennis courts. Two community pools, fitness centers, and a security guard ensure a vibrant and secure lifestyle. A short distance away lies Wellen Park, a hub for leisure and recreation, including golf and a country club, easily accessible via a golf cart. Within a 15-minute drive, sandy beaches beckon, while the brand-new Clubhouse campus elevates luxury living with lap pools, a resort pool, fitness facilities, and social spaces for gatherings with neighbors and friends. Call for your showing today!!!

Estimated
Seller's interest rate
5.23%
7%
Estimated
Monthly payment

$6,497
$7,448
You may also save up to $310,911 in total interest paid.

Learn about how it works

Why Roam


Gap financing to lower your down payment

Unlock down payments as low as 5% – only with Roam

5x the likelihood your offer is accepted

If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close

Close faster and stress-free

We close 2x faster because of our deep experience and lender relationships

Rates and payments are estimates based on public records.

Financials
Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $7,448 monthly payment

Financed
SIGNIN
Location
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Loan details
Loan type
VA
Rate
5.23%
Remaining term
27 yrs and 3 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$6,497
Principal & interest
$4,906
Mortgage insurance
-
Property taxes
$412
Home insurance
$799
HOA fees
$379
Utilities
Not included

Source: Public records

Home details
Size
2,589 sqft
Price per sq ft
$377
Lot size
0.21 acres
Year built
2014
Type
Single Family Residence
HOA dues
$379.07

Source: STELLAR #D6140108

Qualify

To qualify, you must meet the current FHA or VA 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%. 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.

FHA (Federal Housing Administration) loans

FHA loans require the buyer to assume the mortgage as a primary residence.

VA (Veteran's Affairs) loans

You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.

Investors

You may be able to assume a VA mortgage as an investor without it being your primary residence.

Resources
Frequently asked questions

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.

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.

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 620, 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.

View all FAQs
Last updated: Apr 17, 2025 07:19 am
Listing agent: Amy Logel (302) 265-5151
Listing provided courtesy of: EDGERTON REALTY & DEVELOPMENT,LLC (941) 460-1900
Details provided by STELLAR and may not match the public record.
MLS ID: #D6140108
Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2025 MLS GRID. All Rights Reserved.
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