15271 Truman Manor Ln, Waldorf, MD 20601
4 beds · 4 baths · 3,521 sqft
Get a free consultation call with an expert in the mortgage assumption process.
**A Hidden Gem in Waldorf – Where Country Serenity Meets Modern Elegance** Why wait for new construction when this immaculate, like-new retreat awaits you? Tucked away in one of Waldorf’s best-kept secrets, this enchanting home sits on a peaceful, tree-lined 3-acre lot backing to a protected forest conservation area—offering total privacy and a tranquil, countryside atmosphere that feels worlds away, yet is just minutes from town. With 4 spacious bedrooms, 3.5 luxurious baths, a sun-drenched office, and a fully finished side-loading 2-car garage, every detail of this home has been lovingly maintained and thoughtfully upgraded. The mostly finished walk-out basement offers a generous rec room and a full bath—perfect for guests, entertaining, or simply relaxing with seamless access to the outdoors. Step inside the main level and be greeted by an airy open-concept design wrapped in luxury vinyl plank flooring, elegant board and batten detailing, and a dedicated home office surrounded by natural light. The heart of the home—the gourmet kitchen—is a true showstopper, with gleaming granite countertops, a large island with bar seating, stainless steel appliances, upgraded cabinetry, custom paint, and a walk-in pantry that makes both cooking and hosting a delight. Upstairs, the primary suite is a serene sanctuary with a box tray ceiling, a spacious walk-in closet, and a spa-like en-suite bathroom featuring custom-tiled ceramic floors and a luxurious shower, plus a private water closet. Matching tile finishes can also be found in the hall bath and convenient upper-level laundry room. Step outside to experience magical outdoor living: a newly added 17' x 15.5' Trex deck perfect for al fresco dining, a cozy fire pit nestled under string lights among the trees, and charming woodland ferns that make it feel like your own private forest retreat. The property also includes low-maintenance leaf gutter guards, a storage shed, and an active annual termite protection plan. Located just minutes from Charlotte Hall’s newest hot spots like Chick-fil-A, Starbucks, and Royal Farms, and under 20 minutes from the shops and restaurants of Waldorf, this peaceful property offers the best of both worlds: privacy, nature, and convenience. Verizon FIOS is being installed throughout the neighborhood to keep you connected in this idyllic setting. This is more than a home—it’s a lifestyle. And pride of ownership shines through in every detail. Come experience the magic for yourself before it's gone! **VA Assumable Loan - Contact Listing Agent For Details**
Source: BRIGHT #MDCH2041302
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.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #MDCH2041302
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.
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.