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$395,900 SIGNIN

Sign in to see required down payment for the 3.87% rate

149 Evening Dusk Dr, Kyle, TX 78640

5 beds · 3 baths · 2,442 sqft

Situated in the vibrant Woodlands Park community, this 5 bedroom, 2.5 bathroom home with a 2-car garage is the epitome of contemporary living. The entryway seamlessly connects the main living spaces, creating a warm and inviting atmosphere. The spacious living room is bathed in natural light, making it the perfect place to relax with family or entertain friends. The adjacent dining area is ideal for hosting gatherings and creating lasting memories. The heart of the home is the spacious kitchen, featuring a large island with sleek quartz countertops, subway tile backsplash and ample cabinet space. The primary suite is a true sanctuary, offering a peaceful retreat with its generous size and an en-suite bathroom, complete with a huge walk-in shower and tons of storage. Four additional upstairs bedrooms plus a living area provides versatility and ample space for a growing family, guests, or a home office. The two-car garage ensures ample parking space and additional storage options. Step outside to a large backyard with endless possibilities. Residents have access to a variety of useful onsite amenities, including a community swimming pool, and playground. Easy access to I-35 and minutes away from shopping centers. Don't miss this incredible opportunity! Schedule a viewing today!!

Estimated
Seller's interest rate
3.87%
7%
Estimated
Monthly payment

$1,779
$2,174
You may also save up to $113,745 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 $2,174 monthly payment

Financed
SIGNIN
Location
Use two fingers to move the map
Loan details
Loan type
FHA
Rate
3.87%
Remaining term
24 yrs
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$1,779
Principal & interest
$1,144
Mortgage insurance
$172
Property taxes
$99
Home insurance
$339
HOA fees
$22
Utilities
Not included

Source: Public records

Home details
Size
2,442 sqft
Lot size
0.1737 acres
Year built
2018
Type
Single Family Residence
HOA dues
$22.83

Source: CENTRALTEXAS #555526

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 05:44 am
Listing agent: Dee Anna Arellano (432) 934-4410
Listing provided courtesy of: eXp Realty LLC (888) 519-7431
Details provided by CENTRALTEXAS and may not match the public record.
MLS ID: #555526
Information is provided exclusively for consumers personal, non - commerical use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Copyright 2025, Central Texas Board of REALTORS
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