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1568 Whitman Ct

York, SC 29745

5 beds · 3 baths · 3,206 sqft

$569,000

$2,212/mo with 2.375% Express Financing

$3,123/mo with 7% bank financing

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About this home

$6k price reduction! This gated, waterfront community is conveniently located and zoned for the coveted Clover school district. This lovey 5 bed/3 bath home is located on a cul-de-sac street. Upon entry, you'll be met by a large foyer with vinyl plank floors that continue throughout the entire main floor. The main floor is open concept including a formal dining room, living room w/ lots of windows & an eat-in area. The kitchen is equipped with quartz countertops, large island, gas cooktop, built-in microwave & oven combo, dishwasher, walk-in pantry & butler's pantry. The screened patio with hung TV just off the kitchen is perfect for outdoor entertaining. There's also a spacious bedroom, full bathroom and mudroom/drop zone on the main floor. The second floor has a massive primary bedroom with an adjoining sitting room and en-suite bathroom. There are 3 more spacious bedrooms each with walk-in closets, a full bathroom, laundry room with a folding table/cabinetry and a large bonus room.

Source: CANOPYMLS #4195754

3,206 sqft
--
Single Family
Built in 2021
2 car garage
Air conditioning

$2,212/month
Compared to $3,123/mo with 7% bank loan

$342,797
25y 7mo
2.375% 7%
$342,797 at 2.375% (VA)
$0 at 8.125% No GAP financing needed

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


Payment details
Principal & interest
$1,491
Mortgage insurance
-
Property taxes
$331
Home insurance
$289
HOA fees
$100
Utilities
Not included
Total monthly payment
$2,212

Loan details
Loan type
VA
Remaining balance
$342,797.77
Remaining term
25 yrs and 7 mos

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: Jul 25, 2025 05:53 pm
Listing provided courtesy of: Carolina Homes Connection, LLC (704) 615-7315
Details provided by CANOPYMLS and may not match the public record.
MLS ID: #4195754
Listings courtesy of Canopy 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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