VA loan
1 of 52
VA loan
$699,900 SIGNIN

Sign in to see required down payment for the 5.125% rate

17938 Hither Hills Cir, Winter Garden, FL 34787

4 beds · 4 baths · 2,795 sqft

Welcome to your dream home in the highly sought-after Lake Apopka Sound community! This exceptional 4-bedroom, 3.5-bathroom residence boasts 2,795 square feet of luxurious living space and a convenient 3-car garage. Situated on a generous 0.31-acre lot, one of the largest in the community, this home offers ample space and privacy. Built as a desirable D.R. Horton Camden model, this home offers a unique and invaluable feature: a fully equipped attached in-law suite with its own private entrance, providing the perfect solution for multi-generational families or visiting guests. Step inside through the elegant glass front door and be greeted by a thoughtfully designed interior. The spacious family room seamlessly flows into the formal dining area and the gourmet kitchen, creating an ideal space for entertaining and everyday living. Imagine cozy evenings gathered around the fireplace, beautifully accented by a striking stone wall. The kitchen is a true culinary haven, featuring gleaming granite countertops, stainless steel appliances, an oversized center island perfect for meal prep and casual dining, a stylish tile backsplash, and a convenient pantry. Enjoy casual meals in the adjacent breakfast nook, bathed in natural light.  Escape to the tranquility of the primary suite, boasting a generously sized bedroom and a spa-like en suite bathroom. Indulge in the double vanity, soak away the day in the garden tub, or refresh in the large walk-in shower. The expansive Closets by Design walk-in closet provides ample storage. The thoughtfully designed split floor plan offers privacy and convenience, with two additional bedrooms sharing a well-appointed Jack and Jill bathroom.Your guests or extended family will feel right at home in the self-contained in-law suite, complete with its own comfortable living room, a practical kitchenette, and a private bedroom with an en suite bathroom.Extend your living space outdoors to the privacy of your fully fenced backyard. Relax and unwind on the screened patio or gather around a crackling fire pit on the charming pavered area, perfect for outdoor enjoyment.This exceptional home is brimming with upgrades, including elegant plantation shutters, beautiful crown molding, stylish tray ceilings, updated light fixtures and fans, and beautiful wood-look tile throughout the main living areas. Enjoy the benefits of a comprehensive water softener, filtration, and reverse osmosis system, as well as convenient smart home technology featuring thermostat control and keyless entry. Lake Apopka Sound is a wonderful community nestled in a prime location with easy access to the Turnpike, the vibrant Downtown Winter Garden, the scenic West Orange Trail, and a wide array of shopping and dining options. Don't miss this incredible opportunity to make this stunning property your own! Schedule your private showing today!

Estimated
Seller's interest rate
5.125%
7%
Estimated
Monthly payment

$4,285
$4,959
You may also save up to $221,683 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 $4,959 monthly payment

Financed
SIGNIN
Location
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Loan details
Loan type
VA
Rate
5.125%
Remaining term
27 yrs and 5 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$4,285
Principal & interest
$3,239
Mortgage insurance
-
Property taxes
$340
Home insurance
$635
HOA fees
$70
Utilities
Not included

Source: Public records

Home details
Size
2,795 sqft
Lot size
0.31 acres
Year built
2022
Type
Single Family Residence
HOA dues
$70.00

Source: STELLAR #O6294813

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 07:20 am
Listing agent: Chris Creegan (407) 622-1111
Listing provided courtesy of: CREEGAN GROUP (407) 622-1111
Details provided by STELLAR and may not match the public record.
MLS ID: #O6294813
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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