VA loan
1 of 60
VA loan
$650,000 SIGNIN

Sign in to see required down payment for the 2.75% rate

1733 Bolton Village Ln, Niceville, FL 32578

4 beds · 3 baths · 2,387 sqft

Exceptional 4-Bedroom Home with Rare 4-Car Garage in Gated CommunityWelcome to your dream home in the sought-after Village of Bolton! Tucked away on a quiet cul-de-sac, this beautifully renovated 4-bedroom gem sits on a private 0.33-acre lot and offers the perfect blend of luxury, comfort, and functionality.From the charming Hardie board siding and inviting front porch to the expansive fenced backyard backing up to protected Reservation land, every detail of this home is designed to impress. Inside, enjoy a bright and open layout with luxury vinyl flooring, crown molding, cased windows, and soaring vaulted ceilings.The stylish kitchen features granite countertops, modern appliances, and flows into a cozy living room with gas fireplace and views of the backyard. A versatile flex A versatile flex space off the kitchen is ideal for a home office, playroom, or creative studio. The spacious main-floor primary suite boasts a spa-inspired en-suite bath with a freestanding slipper tub, custom tile shower, dual vanity, and designer finishes. Upstairs, find three generously sized bedrooms with new plush carpeting and an updated full bath. Love to entertain? Step outside to a private backyard oasisperfect for gatherings, gardening, or peaceful evenings under the stars. Car lovers and hobbyists will appreciate the attached 2-car garage plus a matching 21' x 32' detached 2-car garageideal for storing a boat, classic car, or setting up a workshop. A heated/cooled flex room with a private entrance adds even more space for crafts, tools, or storage. Recent upgrades include fresh paint, updated lighting and plumbing fixtures, and more. HVAC (2007 & 2008), water heater (2009), and a new roof offered with an acceptable offer. VA loan assumption may be possible. Don't miss this rare opportunityschedule your showing today! Welcome to your dream home in the sought-after Village of Bolton! Tucked away on a quiet cul-de-sac, this beautifully renovated 4-bedroom gem sits on a private 0.33-acre lot and offers the perfect blend of luxury, comfort, and functionality. From the charming Hardie board siding and inviting front porch to the expansive fenced backyard backing up to protected Reservation land, every detail of this home is designed to impress. Inside, enjoy a bright and open layout with luxury vinyl flooring, crown molding, cased windows, and soaring vaulted ceilings. The stylish kitchen features granite countertops, modern appliances, and flows into a cozy living room with a gas fireplace and views of the backyard. A versatile flex space off the kitchen is ideal for a home office, playroom, or creative studio. The spacious main-floor primary suite boasts a spa-inspired en-suite bath with a freestanding slipper tub, custom tile shower, dual vanity, and designer finishes. Upstairs, find three generously sized bedrooms with new plush carpeting and an updated full bath. Love to entertain? Step outside to a private backyard oasisperfect for gatherings, gardening, or peaceful evenings under the stars. Car lovers and hobbyists will appreciate the attached 2-car garage plus a matching 21' x 32' detached 2-car garageideal for storing a boat, classic car, or setting up a workshop. A heated/cooled flex room with a private entrance adds even more space for crafts, tools, or storage. Recent upgrades include fresh paint, updated lighting and plumbing fixtures, and more. HVAC (2007 & 2008), water heater (2009), and a new roof offered with an acceptable offer. VA loan assumption may be possible. Don't miss this rare opportunityschedule your showing today!

Estimated
Seller's interest rate
2.75%
7%
Estimated
Monthly payment

$2,965
$4,081
You may also save up to $339,428 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 $4,081 monthly payment

Financed
SIGNIN
Location
Use two fingers to move the map
Loan details
Loan type
VA
Rate
2.75%
Remaining term
25 yrs and 4 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$2,965
Principal & interest
$2,072
Mortgage insurance
-
Property taxes
$227
Home insurance
$590
HOA fees
$75
Utilities
Not included

Source: Public records

Home details
Size
2,387 sqft
Lot size
0.33 acres
Year built
1991
Type
Single Family Residence
HOA dues
$75.00

Source: EMERALDCOAST #972243

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 18, 2025 09:16 am
Listing agent: Amanda Grandy (850) 333-2154
Listing provided courtesy of: Berkshire Hathaway HomeServices PenFed Realty (850) 729-0176
Details provided by EMERALDCOAST and may not match the public record.
MLS ID: #972243
IDX information is provided exclusively for consumers' personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing
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